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Since the charge offs were over3 years ago I would try to dispute them and use the old " I do not recall" defense. After 30 days if the creditors do not respond the items come off. Most credit card companies will respond with ' we do not have a record form 2006" then the item comes off. It's worth a try since it is free and will not lower the score.
Being from Nashville and living less the 10 mins from where Dave Ramsey does his radio show, I am well aware of his views. I'd like to be able to pay cash for a home, but that just isn't a realistic option for me.I'm no expert,but I don't believe that a $160k home w/ a $20k down pmt is over-reaching on a $40k/yr (net) income.I don't want to open a cc to get into more debt. I am asking about this because I read on this website that having an open cc acct, charging a small amt on it, and paying it off each month was a good way to boost one's credit score.The charge offs are reporting and are a total of $2000. I can pay these but was afraid it would reduce my score even more and make them report for 7 more yrs. I'm not disputing that i owe this money.I just want to be able to raise my scores 20pts or so in the next yr. Maybe time alone can accomplish this.I read that FHA still accepts 580 scores. Is this true? If so Why do lenders only accept 620?
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