I need help, i found a beautiful house with a good price . a week ago I order my score and was 730?

Question

now I went an apply for a loan they told me that my score is 530 because i have some account in mad terms, but the account they are talking about. there not mine. how can i fix this before they sell the house. thanks

Answer 1

If your score is indeed 530 you will not be able to fix it in time.


Your best bet is to sit down with a mortgage broker and discuss your options. He may, or may not be able to work something out for you.

Our broker told us the real key is to get your scores over 600 to be approved for anything decent. He may have a way that you can get it up near 600 over a short period of time, or he may know some banks that will approve your loan even with your low score.

Answer 2

Is it 730 or 530? If you are saying there are accounts on your credit report that are not yours then that is pretty serious. You need to pull your report from all three bureaus and identify anything that you think isn't yours. You then file a dispute with the bureau which you can do online. You should probably take care of this right away. There is no other way to fix it.

Answer 3

First contact the reporting agencies (Experion is one of them) to find out if it was a simple error, find out all the information you can get from them about the bill, go to the person who is saying you owe the money and talk to them about this problem.

go to free credit report online and get a copy of it. Or ask the lender who told you it was 530 to allow you a copy of it so you can repair your credit.

You can always get good advice on any money issue at your local bank -just talk to a financial advisor -there is usually no charge for this.

Answer 4

call the people up and tell them, the things on your report are not yours.. and they should take them off

Answer 5

find a good mortgage adviser.