⏩⏩⏩⏩⏩⤠Increased score 200 pts
Action Items:
- DO NOT DISPUTE NEGATIVE ITEMS ON CREDIT REPORT
- REQUEST THAT THE CREDIT BUREAUS CANCEL ANY DISPUTES WITHIN THE LAST TWO YEARS
- DO NOT PAY OFF OLD NEGATIVE DEBTS
- IF YOU PAY SOMETHING OFF - GET WRITTEN PROOF AND FILE IT AWAY
- PAY DOWN ACTIVE CREDIT CARDS OR PAY OFF CREDIT CARDS.
- NO UNDOCUMENTED DEPOSITS INTO YOUR PERSONAL BANK ACCOUNTS (UNTIL AFTER YOU SIGN ON YOUR HOME)
- HAVE YOUR DOWN PAYMENT "SEASONED" IN YOUR ACCOUNT -- MEANING IT NEEDS TO BE IN YOUR ACCOUNT FOR AT LEAST 3-6 MONTHS OR IF YOUR CHECKS ARE DIRECT DEPOSITED OR IF YOU DEPOSITS ARE DOCUMENTED AND PROOF THAT IT DIDN'T COME FROM A LOAN OR OTHER SOURCE THAT WILL HAVE TO BE PAID BACK.
- MEDICAL DEBT WILL STILL SHOW UP AND WILL NEED TO BE RESOLVED.
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