I am thinking about re-fianancing my home after only six months
Question: I am thinking about re-fianancing my home after only six months
Answer: 50 points in 18 months?!?!? In 18 months, he should go up well over 100-125. I have a bankruptcy, CH. 7 that was discharged in 10/03. I pulled my FICO scores, and they were 501, 558, & 537. It is now 8 months later, and those scores are now 626, 671, & 651.
Here comes a some credit repair advice. The first thing the OP should do is pull all of his credit reports and dispute every negative item as “not mine.” You will be amazed at how many accounts do not get verified. When they don’t get verified, they get removed. On my Equifax report, I even got the bankruptcy removed by disputing it as “not mine.” There are only 2 accounts out of 9 that still mention anything about a BK. Once those are gone, you won’t be able to tell that I filed BK on that report – in less than a year! If you dispute a bunch of items now, in 30-45 days you could have your score jump 40-50 points if certain items don’t get verified by the original creditor.
Try reading www.creditnet.com & www.creditboards.com
There is a lot of good information on cleaning your reports. Good luck.
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