I See The Bank Tommorrow, Your Thoughts
Well, I go to see the bank tommorrow about a loan for my first house. My credit score is 657. The only negative things on my account are below:
Judgment from 1998. (There used to be a collection associated with this and that is paid. I can give the info for them to contact the collection place and they are a collection place that is nice about confirming things)
A $32 collection account currently shows on my account that I am pretty sure is paid. I have disputed it, but it hasnt come back yet.
There is a "Credit Card" showing from 1998 that I am disputing. After 1995 I didnt hold a card until 2000. This one shows the account open in 1998. Unless it is a reaged account, the info is wrong. Either way, it was disputed.
Everything else is good. I have several credit cards (Total of about $13000 in lines of credit)
and the total outstanding balances total is $800. ) I have a car loan that I have been paying as agreed for over a year.
What do you folks think my chances are of getting approved.
If I were you I would visit www.creditboards.com to get some info on possibly getting those accounts removed from your credit file. The bank will more than likely give you the loan but the interest rate may not be the best.
Im already working on getting the 2 non judgements removed. (Just waiting for the results of the disputes already in progress) The only way I am going to get the judgment removed is to get hold of the person who took it out to contact the court to get it removed....and they have been out of business for more than 5 years. The judgement will drop off within the next year.