After requesting your report (which will not include you're actual credit score) you will be able to easily dispute these false charges online. It may take a month or tow to get most of the nonsense that is frequently on credit reports removed and your scores will then begin to update.
It's one of the big issues I have with credit reporting companies, their critical to consumers and yet are filled with misinformation that can negatively impact you as a consumer for years. There are apparently very few laws requiring these companies to verify the data the list and once you begin trying to work with them you'll immediately understand that their not at all really interested in getting things right, nonetheless there is no getting around them. There are some lenders that will actually help you with this for free but their not common. I know one here in NC, feel free to contact me directly if you'd like their contact info.
To start, you need to get a print out of your report from one of those places that
you went to. In it, you'll see the addresses of 3 credit agencies you'll need to write a simple letter where you will demand to remove the erroneous info from your credit report, and where you'd attach
the documents showing that f.e. the Ohio tax issue was resolved (sometimes you also need to get in touch with the county in Ohio where the issue took place - and get the payoff confirmed there, in
writing). One letter - one issue rule stands.
This takes a little time and a lot of patience - but many people have done it and it got their
credit into "mortgagable" territory. It'll probably take from 45 days to 3 months.
In addition to above, you can find a very good mortgage person - who will go over what else you
could do to raise your credit score - and there is a lot that can be done!
Hope this helps,
Beachfront Realty, Inc.
I am also certified in bank foreclosures if you'd like me to email you homes that are below tax value and great investments. You only need a 600 credit score to buy with a NO MONEY DOWN USDA or VA loan.
Regards, Denise Phillips, Century 21 American Prop.
860 917 0778 cell
NMLS # 6395
Financing Kentucky One Home at a Time
If you wouldn't mind you can email me at Pamela.Trafton@Century21.com and let's see if we can't get this straight for you.
Century 21 Mortgage and PHH Mortgage are making loans with 600 credit scores. Would you like someone to give you a call? Or, you may call Ms. Bernice Poteet at 910-554-4876 and let's get you prequalified!
John Smith, Broker
Century 21 American Properties
HomeTeam Real Estate