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coloradoboy2

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How to Get Negative Items Fall Off Before Mortgage
I have 2 items that are due to be dropped Mar 2015. I'm looking at closing on a house Mar 13th. Has anyone had luck getting items removed (Equifax) at the beginning of the month when they are due to fall off?

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They fall off 7 years past the date of last payment and the only way to have gotten them off sooner would have been to negotiate a "pay for delete" agreement with the creditor  Be advised, though, that some mortgage lenders look at the previous ten years of credit history to rule out bankruptcies that may not have fallen off..

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