Hi everyone. First timer here. Been visiting here awhile. Now I am in need of help. Thanks, in advance for your help!
Our Chapter 7 bankruptcy was discharged in August of 2010. We are planning to purchase our 2nd home(1st home IIB) in 2017 so we inquired about a pre-qual to see exactly where we were at and what more we might need to in order to make a home purchase possible. With a 697 credit score for me and 657 credit score for my husband, we were told we would qualify.
We were also told that there are 5 things that were IIB(one of them a judgement) showing as still open/active…..worth about 60 points on our credit score. So, we need to dispute these items or our other option is to pay $ 450.00 fee(with no monthly fee) and have someone get them removed for us, guaranteed in 60 days. Since we are not planning to buy for another 2 years, I figured I would have a go at trying to get them removed myself.
My questions about this are:
1. What kind of success rate is there for removal of these items?
2. Can any of this be done online? Or do these have to be snail mailed?
3. I have seen somewhere on here a copy of a mock dispute letter. Can you post the link in this thread, please?
4. Will the bankruptcy discharge be sufficient?
Thank you very much for your help!