FHA adviceI currently have a 650 FICO, 8years at same company. I have 2 collections on my credit that have been in dispute for over 2 years. I have been turned down for an FHA loan last year due to these collections and not having an open credit line (closed credit accounts 3 years ago). The open credit line is not a problem but is it worth it to just try to work a payment plan on collections rather than continue the dispute? One collection is from a credit card that was supposed to be paid off at $2500 under a consolidation loan and is now $9000. The other is small bill that doesnt belong to me for $400.January 31 2012 - Port Saint Lucie11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.