Long time reader, first time poster. I just pulled my credit report from Equifax, and there are quite a few things on there that I want removed! Hubby and I just tried to qualify for a home loan.... He has NO credit, and my FICO is a 543! AHHH!! THAT'S AWFUL! Now, there are a few things on my report that I can't control. My mom's car, which she pays for and drives two states away, is on my credit, and she hasn't been very good about making on-time payments. Also, there is an old cell phone bill that went to collections (I opened an account with AT&T for my brother for his birthday one year, he racked up an $800 dollar bill that he NEVER PAID)... Aside from that, the majority of entries on my report are medical collections (bad, I know) and students loans, all of which are in deferrment because I am still in school. But here's my question: should I dispute the medical collections (and possibly brother's cell phone bill) or should I just go straight for the pay-for-delete method? Hubby and I have money we've saved up (we were going to use it for a down payment on a home, but since that's not going to happen now, we figure we might as well put it to another good use!), but I just want to know which would be the better route to take? Oh, and all of the collections are still within the SOL. I don't want to get sued!
