Raise my score for FHA

Sep 012010
 

I am a first time home buyer who is trying to raise my credit score in order to get an FHA loan.  I have 4 unpaid collections that are more than 3 years old, I keep getting conflicting answers as to paying them off or leave them alone until after my loan goes through. I also have 2 options to be added as an authorized user on a credit card, until I can get my own card. 1 has 3k limit, is 4 years old and is maxed out. 1 has a 500 limit, is about 8 months old, and has a zero balance, both have excellent payment history. Should I use both? Or just one of the cards? Is which one will help the most?

Northland Group Inc….CA

May 042010
 

hello everyone

 

I have a settlement offer from Northland Group Inc.

Current Owner: Elite Recoverty Acquisition

OC: Mcb/GC (formerly Capital One)

Balance $571.17   Settlement Offer : $199

 

I would like to send them a DV letter but before i do i wanted to know if anyone had any prior experience with them.

 

i did notice for the first time a CA put who they were licensed by which is Minnesota Department of Commerce….just a side bar

 

 

any information about them would help.

 

thanks as always

getting judgements deleted from CR

Feb 202010
 

Hi everyone, first time poster. Been improving my credit tremendously by disputing items on my credit report. I have one judgement showing on my experian report. This is preventing me from getting a home loan. Anyone have luck getting these deleted? I would think it would be difficult for a bureau to verify these, since the only way is by mailing the courthouse?

 

thanks everyone ,