| Sandy D | 12-08-2013 12:51 AM |
Re: Self Employed and Home buying
Quote:
Originally Posted by Gamefreak
(Post 509644)
I can't dispute them off now. its kinda too late for that.
i was advised not to get any new lines of credit when you are going to be applying for a mortgage.
I can get it up to 700 by lowering my utilization on my current cards to about 4%
I really don't need any other cards though as my amex covers everything that i use my cards for. But when i do apply i will apply for couple of amex due to their backdating and I'm sure i can get good limits with them for all the money i put on my charge card.
| Correct, do not apply for anything.
What I meant was if you knew your score you needed to get a boost to get to 700 range before you applied.
Since you already have cards yes, paying them off will help you a lot but it might take 30 days for the report to show it.
Why is it too late to dispute them?
Better to dispute closer to statute of limitations then earlier in time.
Again, if you thinking of applying soon just leave them and pay off debt and wait for the report to update showing it.
No sudden moves on your files if you are going to apply soon. | 
