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USDA loan with collection account?
I posted something similar a couple weeks back...well, I've taken the next step and now I'm even MORE frustrated. I had an account go into collections within the last 12 months that was supposed to be paid by my medical insurance. To make a long story short, the account went into collections over $69..and I didn't know anything about it until my LO pulled my credit. repeated arguments with the clinic, CA, and insurance company finally lead me to pay the darn thing. I was refused GW and Pay for delete. SO I disputed with all 3 bureaus. TU not only got rid of it entirely, but several other accounts that were 7+ yrs. old or incorrect were completely removed. Not so lucking with EQ and EXP. though. They stated that the mark would stay. My LO stated I could not have ANY collections in the last 12 mos. for a USDA now? If my mid score is over 640, does this usually make the collection irrelevant? I would guess (but I'm no expert) that they look for collections on ALL reports, right? UGH. This is so annoying! $69.00 that I could've paid out of pocket on the spot...but was assured I had no bill. Some insight, please.

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