I have a problem and was hoping that someone could help me solve it. Me and my DH is planning on trying to apply for a mortgage loan for a home by the end of Dec or the first of 2005. I have been reading different sites and trying to get everything clean up before we go. My DH credit scores when we first started was 491 (EQ), and the low 500's for TU and EX. But now EQ is 566, probably higher just have not checked it lately, and EQ is 588. Have not checked TU as of yet. I have been dealing with NCO on some medical bills that I me and my DH have with them. I sent them a DV letter and they sent information back on DH showing the bills, and they even had the diagnosis codes as well as the diagnosis listed on information they sent us. I also have talked with my insurance company about these bills and they have made a mistake by paying these 3 of these 6 bills at 80 % instead of at 100 %. Now they have got to resubmit the claims so that they can go back and pay these bills at 100 %, I checked EQ on yesterday (11/1/04) and the CSR told me that the bills through Med/clr had been taken off the credit report. She stated that they told them to take them off. These bills are not even reporting. But Med/clr, NCO did state that they was going to have the accounts marked with the CRA's. They are still reporting with TU and EX though. Is there anything that I can do to get these bills removed quickly so that they don't come back. I really need answers fast.
