As others have mentioned, they have ways to resolve items that are not correct, but you have to start the leg work by reaching out. Plan 60-120 days to get these items resolved. A lender can also assist you with some of these items as they work with the credit reporting agencies every day. Good luck and let us know if we can assist you here in Houston.
Please feel free to contact me if I can help.
Arnold Richie, RealtorÂ®
Terry Burnaman Realtors