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Why are negative items still there on my credit report?

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My credit card was charged-off 5 years back. The creditor filed a lawsuit against me and won judgment. The creditor has garnished my account for around 3 years. The account has been finally paid off. However, both the charge-off and the judgment are on my credit report. I have applied for a mortgage loan recently. I am planning to buy a lovely condo in Crescent City. The lender has refused to give me a loan because of the 2 negative items on my credit report. What should I do now?




the judgement once rendered stays on for at least 7yrs.the chargeoff 7.5yrs from the date of first delinquency.not much you can do sorry.


Sub: #1 posted on Wed, 07/03/2013 - 06:13

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

Find another lender...if the accounts are paid, someone will fund you.


Sub: #2 posted on Wed, 07/03/2013 - 07:18

SOAPLADY SOAPLADY
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(Posts: 17319 | Credits: )


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