Protest any unjust negatives such as late payments, collections that are not yours, and any items not reported as paid as agreed if you paid them on time and in full. Protest items listed as unpaid that were included in a bankruptcy, and items older than seven years, 10 for bankruptcy.
Focus first on the larger, newer negatives listed on the report.
Don't worry about smaller items like incorrect address information or an old employer listed as current unless there's the possibility of identity theft or the file is mixed with someone else’s.
This is certainly not an all-inclusive list, but it's a great start for clients needing to focus on their scores before attempting to get pre-approved and purchase a home.
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Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan
Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642
Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho.
Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts.
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