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Thank you for all the answers on my first question now here is another one for you.. The mortage company that we went to said that if we paid off all of our creditors and showed proof that he can raise our credit score by 100-150 points. But we would have to pay him to do that.. Can that happen? Thanks, Lisa
If you pay off all of your debt your credit score will go up on its own. Depending on the amount of CAs listing on your credit maybe 100-150 points. You dont need to pay him. Send the DV letters and then get PFD settlements. It will do more for your credit than anything else.
Sounds to me like you need to find another mortgage company. There is no reason you should have to pay anybody to increase your credit score if you are paying off your own debts. I smell a scam in the making...
I too think there is no need to pay any amount for improving your credit score to anybody. This is because if you pay back your debt by coming to a pay for deletion agreement with your CA, the negative element will automatically be removed from your credit report after full payment of your debt and your score will improve. So why pay extra money for that.
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