1- Send dispute letters by mail.
2- Dispute online.
3- Dispute on the phone
4- Hire a professional to do this for you.
5- Visit the following website for more info:
Next issue, my underwriters wonâ€™t allow a loan to close if there are open disputes on the credit report. Ever try to get a dispute removed from a credit report? Dispute the dispute???? Not as easy as putting together a monthly budget. Good luck,
NMLS # 6395
Financing Kentucky One Home at a Time
Look on their website regarding RAPID RESCORE.
Give them a call and ask them how you can run your credit and analyze through their Credit Analyzer which will tell you exactly what to pay down,etc.
You cannot remove items from your credit report, whether positive or negative, if these accounts REALLY belonged to you. If you REALLY made late payments or you REALLY have a collection account you cannot remove those items. ONLY ERRORS can be repaired on a credit report.
Examples of typical errors:
-confusion between family members with same/similar names (happens often with Seniors and Juniors)
-credit accounts that you never had
-a paid account that shows "unpaid" on a credit report
Consumers are permitted one free credit report per year from each bureau. Get yours at http://www.annualcreditreport.com Do not pay for the credit score. Once you have your report you can correct any errors.
Beware of anyone offering to remove negative items from your report for a fee. This is a scam.
The link above explains what to do. I offer credit repair at no cost to raise fico scores for my clients. You only need a minimum 580 fico score to qualify for FHA Access half percent down payment program. If your fico is between 500-579, you will need 10% down. If you email or fax a copy of your credit report to me, I can analyze it and advise you. Here are homes for sale in Norwalk 2bd under 400k which is only $2,000 down and $2,928PITI.
Click the following URL to see the Listings:
CHF Access half percent down flyer http://tinyurl.com/8m558h4
Sheryl Arndt, standard needs list checked http://tinyurl.com/8p3792f
Why Rent brochure
CHF Access income limits http://tinyurl.com/8lzf8he
Sheryl Arndt, Broker â€“ Loan Officer