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Wierd situation - what to do?Wierd situation - what to do?
IN_experian_CED said: "I'm looking to buy a new home. My credit is poor. 600. I sustained a head injury and I am currently on disability.
I went about 6 months with no income and my bills suffered. I purchased my current home in 2004 and the title company made me pay off any old debt as part of the terms. My wife left a year ago, and we got divorced this winter.
So I'm looking to move, and my credit comes back with the previously paid accounts showing as unpaid charge-offs. Then I have two more instances of the same account that show one paid OK, and the other as a charge-off.
What steps should I take to rectify this. Is there any possibilty of having the negatives removed that happened while incapacitated?
Thanks so much and best of luck to everyone this year!
Ken"
TScott said: "You should post this in the credit repair discussion forum. It is alot more active and you will get more advice.
You definitely have a chance of having these removed.
You could start by disputing with the CRAs as not mine and see what happens.
They might drop off just by doing that."
IN_experian_CED said: "thanks Trish, I'll post in the other forum :)"
TScott said: "No problem Ken ;)
I see you posted it.
Be sure to listen to jayb or David. They would know the best plan of attack for your situation."