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I need a little help here with credit repair

Date: Tue, 10/12/2010 - 22:06
Submitted by daddy2be on Tue, 10/12/2010 - 22:06
Posts: 3
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I signed up for Idenity Guard so I have access of my wifes and my credit bureaus. I pulled her first because she is a little better off than me. Her ficos are as follows. EQ 581 EX 614 TU 540. We hope to qualify for a mortgage in Feb 2011. This will be 3 years after our forclosure. I found a couple of items I would like to despute. I'm really not sure what to send and in what oder. We live in CA.

Here is what she has that's bad.

Cap one CC that was charged off for $3666. She stopped paying for it in 2007. Origianal balance was 1500.

Wells Fargo Auto Finance. This is a joint account with me. We have had 5 late pays since 06. No lates since Aug 2009.

Wilshire Mortgage Forclosure 2/2008 for $120,758 with a high balance of $463,271 and a past due of $38,000 (This shows up multiple times from $463,271 past due to $120,758 past due or seriously past due)

Colletts Catering $900 unpaid from 2007

I am new to this and would really appreciate any and all help.


Negative tradelines can continue to report for 7 years as long as they are reporting accurately. You might be able to get wells do do a goodwill. However, if Capital one is still unpaid, I would not be disputing anything with them until the 4 year California SOL is up. Cap One likes to sue and you are better off NOT waking a sleep dog.


Submitted by SOAPLADY on Wed, 10/13/2010 - 04:58

SOAPLADY

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