[jjgross]

Originally Posted by T_C

Hello all,

I'm so glad I found this forum. I just started the lengthy process of cleaning up my credit report and have been at it for a few months. I paid a company at first, way more than I should have, and they didn't do much. Now I'm trying to do it solo and I'm pretty excited because I've seen some results. I'm really hoping to take advantage of the first time homebuyer credit this year, so I want to buy a home before Dec. 31st. My credit is still pretty terrible, but I'm hopeful.

Any suggestions or advice would be greatly appreciated. Here's a rundown of what I've done so far:

-I've disputed information with the CRAs and had a few things deleted from my report. (Two rounds of that, currently waiting on the last updated report from one agency)
-I've requested validation from two CAs that are reporting on my credit report, sent letters via CMRRR and got the RR back last week. I requested that they send validation within 7 days. I'm not quite sure what to do if they don't send validation. Should I send a copy of the letters I sent to them to the CRA with a copy of the RR?
-I've negotiated a pay for delete with one of my CA, got the deletion letter in the mail yesterday. Should I send that to the CRA and request it be deleted immediately?
-I paid off two collections, one of which has been on my CR for a while, and was told they would update that account as paid in full, but not delete it (which stinks). I will probably dispute it with the CRA.

I also monitor all of my reports with TrueCredit. As I said, any information or suggestions would help. It's a long shot on the house by the end of the year, but I really want to try to do it.

Thanks again!

Wait and see if they val if they don't within 5 days with you there in violation and you can dispute with the cra's,they have to val with you before they do with cra