HI! I'VE LOOKED AT THIS SITE FOR YEARS, BUT NEVER POSTED..NOW I REALLY NEED HELP, SO I'M COMING TO THE EXPERTS... MY HUSBAND'S AND MY CREDIT HAD FINALLY INCREASED TO THE 650'S-660'S AFTER A YEAR OF TAKING THE ADVICE ON THIS FORUM. I HAD ALL OF OUR BILLS PAID ON TIME. ON JULY 10, WE FINALLY WENT TO APPLY FOR A NEW HOME MORTGAGE (BOUGHT 1RST HOME 10 YRS AGO & HAVEN'T MOVED SINCE) AND WERE PREAPPROVED, FULL CREDIT AND INCOME VERIFIED, ETC. WE PUT OUR HOUSE UP , IT HASN'T SOLD YET, BUT OUR MORTGAGE GUY, WHO IS A GOOD FRIEND, TOLD US APPROVAL GOOD FOR 4 MONTHS AND THEN CREDIT IS REPULLED AND WE NEEED TO GET RE-APPROVED. GREAT SO FAR, RIGHT? I GET A PHONE CALL FROM A GAS COMPANY I LEFT LAST DEC TELLING ME I OWED 174 AND THEY REPORTED IT TO COLLECTIONS. I PULLED MY HUSBANDS CREDIT, AND SURE ENOUGH, IT WAS JUST REPORTED AUG 04 AS A CHARGE OFF, DUMPING HIS SCORE TO 590. NOW I'M PANICKING, WE HAVE UNTIL NOV 10 TO FIX THIS WHEN THEY WILL REPULL MY CREDIT. I'VE READ ABOUT PAY FOR DELETION, ETC. WHAT IS THE BEST WAY TO GO ABOUT THIS.. SORRY THIS IS SO LONG.. COULD SOMEBODY PLEASE HELP, I'M REALLY PANICKING!!
