Ok folks - thanks to Creditnet, my boyfriend and I were able to fix up our credit over the last year and get preapproved for $180k mortgage last month. When we were approved, my scores were EQ 678, EX 713, TU 750. Boyfriend's are about the same. Since our preapproval, I disputed 4 old collections (all under $50 from 1999) on my EQ. All were removed. Unfortunately, while I was celebrating the revised EQ report I got in the mail this morning, I noticed a brand new collection for $56 from a doctor's office I went to once 3 years ago. Argh! I'll try validation, but I have sneaky feeling I actually owe the money. My question is - how much do you think this will effect my EQ score? 4 old derogs gone + 1 brand new derog? I've read on this board where scores have dropped 30+ points with one new collection. Is this true, and if so, will the removal of the 4 old collections even out the drop?
