Manual review of credit history

Yes it is possible.It may cost you extra money.Procedures for doing so would vary. I would make an appointment to speak with either bank manager or underwriter and bring all your documentation in.

Basically in credit terms it would be referred to as a full doc loan. Instead of basing the entire decision on a score or credit report,you would bring proof of your income and proof that all debts are being paid in a satisfactory manner. You would probably need to line up a few local credit references too.
I have never had to do it,but it is a possibility for a person whose score or report is not high enough for their automatic guidelines. Just remember they may charge extra for this because they will be doing a full factual credit check instead of just the basic report. Good Luck!

What would be considered a "local credit reference?"

Your local bank,credit union,rent,utilities,etc. Hope this helps.

I believe someone who has not a very good score will ask the lenders to do a manual review of his credit. This will help him to prove his credit worthiness to the lender, if his credit report is not reported accurately by the CRA system.

This may possibly happen because of the disputed information in the credit report and the lenders not getting the real picture about that consumer. You may have to do this with every lender whom you are visiting for credit. Better is to fix the problem from the root and dispute the incorrect information with the bureaus, so that you don't have to visit the lenders each time and explain your situation. Cajun, your thoughts on this? Am I thinking right?

I agree to fix root cause of problems on report. I mentioned this manual doc because if someone is getting ready to close on a house or another high dollar loan,this full doc process is going to be cheaper than paying high interest or losing deal completely.

Well my mortgage shows up as paid on time on my CR so I need to get letters from the electric company, water company for local references?

My credit score is only about 580 right now but that reflects bad credit from over 3 years ago and does not reflect my full time job, income, car and mortgage paid on time etc...my car loan % rate is un=speakable and I want to refinance it this year, just waiting on to credit disputes to conclude in the next 6 weeks. My next question is my bank is BOA who do I refinance my car with and how do I go about doing this? I do not want to give BOA anymore business than I have to. Thanks

580 :shock: Your options are going to be limited until that can be brought up. I have found credit unions offer the best type of financing for the lower end on scores and they are also willing to do full docs. Since BOA is not option,look into other banks in the area.Don't let them run your credit until you are ready to do loan because excess inquiries can hurt you.If you know anyone at car dealerships,pick them for information.That's all thats coming off the top of my head right now.

I am hoping that with these two disputes (one being a CC was just paid off and is no longer part of a debt consolidation program) that my socre goes up to at least 600 in the next 8 weeks

Yea if you can bump it up,it would definately help you out.Do you any others reporting positively on report besides mortgage?

This is how my credit looks right now:

Credit Summary
Percentage of credit currently available 84.33% Satisfactory accounts 15
Now delinquent/derogatory accounts 0
Was delinquent/derogatory accounts 12
Public records 1
Number of inquiries 16 (13 will fall of this year)






Debt Summary
Real Estate debt (mortgages) $103,931
Revolving debt (bank and retail cards) $1,977
Installment debt (fixed payment loans) $18,948 Other debt $0
Collection debt $31 (this is one of the disputed items)

Your Approximate Total Debt $124,887

What is public record? Another thing to explore is to start adding some positive tradelines to offset the negative ones. Are you absolutely positive everything on your reports is reporting correctly.Remember you have the right to dispute anything. It comes down to prove it or lose it! Definately be very picky in applying for anything as your inquiry count is starting to get high. On the inquiries,are they verified(Do they coorespond to active accounts or accounts you have applied for). Credit bureaus make disputing these extremly difficult but it is possible.
That's all I got for now.If info is starting to get too private for posting,I can give you advice by pm.

The public record was a judgment against me in court back in 2003 with Capitol One (love those guys!) This report is Experian and everything is correct. I am down to my last two disputes. As for the inquiries like I said 12 of them are from 2005 so they will all be off by the end of the year. Some of the CC balances and dates might be wrong but I have no records of them or the means to research them for accuracy, like I said most of them are 3-5 years old so they will begin to expire in the coming years. I have no plans for anymore inquiries for credit anytime soon except wanting to refinance my car loan. I want to wait as long as I can to do that and have the best possible score I can have for awhile before I even apply

Was the judgement paid and does report reflect this?When you dispute,burden of proof is on data furnisher not consumer. Just remember one rule I always follow,do not dispute good tradelines!