I can't shake the student loan people. It my last step to a clean report. Anyone had any success getting items from TGSL and Nelnet deleted. There or 5 entries each on my EQ and TU reports. 10 whopping derogs for the same loans. By some stroke of luck EXP deleted all my Nelnet entries so I only have the 5 from TGSL. Any help would be appreciated. On another note, how much does your spouses scores count when applying for a mortgage loan specificly a FHA loan? Wife's report in desparate need of attention.
I don't know anything about student loans, so I'll dodge that one. As far as the mortgage goes, if your wife's name is going to be on the loan and you're going to consider her income, then her credit report will also be factored in. The last time I refinanced, some erroneous chargeoff had appeared on my husband's report. It was taking so long to take care of it that I ended up getting the mortgage just in my name. If you have enough income and good enough credit, you can do it by yourself. Otherwise they'll look at both credit reports.
