I am applying for a mortgage loan. I was pre-qualified, and when the time came to actually apply for the loan it was not accepted. I was told my credit score dropped approx 10 points since the pre-qualification which prevented me from having an approved mortgage loan. I do have a previous student loan. I was 60 days late on payment at one time. If I paid this loan off in full right now, would that make my credit score go up? I also had a dish network payment on my credit report. I left service on for my brother, but I paid it as soon as they sent me a letter that I owed. Both of these issues are showing up on the negative part of my credit report. Is there any way to remove them after being paid in full, and will this make my credit score go up?
Paid in full won't fix this. you need to dispute them and see if you can work this out. You might be able to get a pay for delete on the Dish thing. Could you give more detail on these debts?
do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment
this information will help me make suggestions specific to your case. The state will determine the statue of limitations for this debt. knowing the name of the OC original creditor, will help show if there is a specific govt regulators can intervene. Knowing the dates are very important.