Want to buy a home, credit may keep me from doing so

[Help]

Originally Posted by Help

in the case of an auto insurance company, or a cellphone company, or an internet provider if i am not out of SOL is it better to:

- try a debt validation letter
- try a pay for delete
- call the OC and settle.

is it possible to settle with an OC and also have them change everything to "pays as agreed"

cmon, someone has to have a comment or suggestion here...

please?

[ntnsllc]

I think the reason nobody is replying is because your questions are relating to the very basic credit repair issues which have already been answered. Each of your posts contains multiple questions and require very time consuming answers. The bottom line is that credit repair takes time and a TON of patience. Following the advice here in the beginner's section has helped me to increase my score from 519 to 671. I now have only a couple errors to remove that I have been working on for 6 months! Original Creditors can be stubborn.

If you are still within SOL you could try to send a dispute letter (samples are on here in another thread) to the CRA (Equifax, Experian, TransUnion). In many cases they are unable to verify within the 30 days, and end up deleting. That's where you should start. After requesting IN WRITING, not online, to have all your personal information removed or corrected. You should be able to have all old addresses and employers removed fairly easy.

Good luck getting enough done prior to the $8,000 tax credit expiring!!