Hi all - I wanted to see if you would be willing to give some advice. I am looking to purchase my first home (the sooner the better), but have some things showing up on my reports still and would like to get some thoughts on how best to approach.
Transunion:
-Caine & Weber CA for $219 due to fall off 12/16 / Question: Should I just request an early exclusion. and if so, how early could I request?
-Credit One bank (LVNV is CA) for $1700 due to fall off 12/16 / Question: same as above
-HSBC (Midland is CA) for $1800 due to fall off 1/17 / Question: same as above
-GM (voluntary car surrender) for $16k due to fall off 5/17 Question: Would this hurt my chance of qualifying for a mortgage? If so, should I try to settle or just wait out buying a home until it falls off? Thoughts?
-Jefferson CA for $1480 due to fall off 12/17 / Question: Why does the CA show but not the orig Creditor which is Juniper? Should I try a pay for delete? Thoughts?
-Barclay for $865 due to fall off 1/18 / Question: same as Jefferson
Experian:
Credit One bank (LVNV is CA) for $1700 due to fall off 12/16
HSBC (Midland is CA) for $1800 due to fall off 1/17
GM (voluntary car surrender) for $16k due to fall off 5/17
Jefferson CA for $1480 due to fall off 12/17. Question: Why does the CA show but not the orig Creditor which is Juniper?
Barclay for $865 due to fall off 1/18
Stellar Recover for $69 – Comcast. Question: No idea what this is for. Should I dispute or just send a pay for delete?
Equifax:
Stellar Recover for $69 – Comcast
HSBC (Midland is CA) for $1800 due to fall off 1/17
Jefferson CA for $1480 due to fall off 12/17. Question: Why does the CA show but not the orig Creditor which is Juniper?
LVNV for $1700 due to fall off 12/16 Question: Why is the original Creditor,Credit One bank, not listed?
Question: Do pay for deletes start the clock ticking again?
Thanks for any thoughts. Ultimate goal is to qualify for a mortgage ASAP (but can wait if need be). Equifax credit score is currently about 650.