Where to find a good Lending Tree mortgage for a first time buyer?

My first question is Where to find a good Lending Tree mortgage for a first time buyer? Many thanks for any comment. Second question.. I finally ordered a copy of my report because I really need to try and clean it up (got way behind after health problems and went trough consolidation compnay that took money but didn't help) Anyways, Below I have pasted a copy of the report any advice would be appreciated. ( I ordered it from Equifax).

Some of the credit cards I don't remember or thought were closed..

Many inquired that I have no idea what they are..

( for example Household, Dobson, bellsouth,onyx,GMAC - well many of them).

There is a comcast collection I have no idae what it is-I had paid bill and switched cable companies..

Is there a way to get chargeoffs off the report?.

Where do I find my score?.

Thanks in advance for any advice you can give....

Public Records.

No Public Record Information on file..

No bankruptcies on file.

No liens on file.

No judgements on file.

No garnishments on file.

No secured loans on file.

No marital statuses on file.

No financial counseling on file.

No foreclosures on file.

No non-responsibility entries on file.

Collection Accounts.

Client: Comcast Augusta Account Number: 66137XXXX Date Reported: 08/2002 Amount: 88 Balance: 88 Balance Date: 08/2002 Last Activity:08/2001 Date Assigned: 03/2002 Collection Status: UNPAID Whose Account: INDIVIDUAL ACCOUNT Collection Agency Information: Credit Protection.

14001 Dallas Pkwy Ste 1050.

Dallas,TX 75240-4346.

Status Date: 08/2002 Note:.

Credit Information.

Company Name Account Number Date Last Type of Account High Items as of Date Reported Date.

And Whose Acount Opened Activity and Status Credit Terms Balance Past Due Reported.

Bank One Auto I00023009142XXXX.

JOINT ACCOUNT 03/2001 04/2001 Installment.

TOO NEW TO RATE $12789 293 04/2001.

Prior Paying History.

Capital One 412174173446XXXX.

INDIVIDUAL ACCOUNT 06/2000 06/2000 Revolving.

TOO NEW TO RATE $29 $0 07/2000.

Prior Paying History.

ACCOUNT CLOSED BY CONSUMER.

PAID ACCOUNT/ZERO BALANCE.

Cato's 11300740XXXX.

INDIVIDUAL ACCOUNT 04/1998 04/1998 Revolving.

TOO NEW TO RATE $44 $0 06/2000.

Prior Paying History.

PAID ACCOUNT/ZERO BALANCE.

CHARGE.

Chase,Na 549104291000XXXX.

INDIVIDUAL ACCOUNT 07/2000 01/2001 Revolving.

CHARGE-OFF $6649 132 $6649 $969 10/2001.

Prior Paying History.

30 days past due 03 times; 60 days past due 02 times; 90 + days past due 04 times;.

CHARGED OFF ACCOUNT.

CREDIT CARD.

Crdt First 64849XXXX.

INDIVIDUAL ACCOUNT 07/1998 09/1998 Revolving.

PAYS AS AGREED $349 $0 09/2000.

Prior Paying History.

CHARGE.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

Dillard 75750003199060XXXX.

INDIVIDUAL ACCOUNT 06/1997 10/2002 Revolving.

PAYS 31-60 DAYS $568 11 $455 $12 12/2002.

Prior Paying History.

30 days past due 04 times; 60 days past due 01 times; 90 + days past due 00 times;.

CREDIT CARD.

Discover Financial Services 601100490013XXXX.

INDIVIDUAL ACCOUNT 02/1997 10/1997 Revolving.

PAYS AS AGREED $0 $0 05/1999.

Prior Paying History.

PAID ACCOUNT/ZERO BALANCE.

ACCOUNT CLOSED BY CONSUMER.

Express 46798XXXX.

INDIVIDUAL ACCOUNT 04/1996 05/2001 Revolving.

PAYS AS AGREED $500 $0 05/2001.

Prior Paying History.

CHARGE.

First Consumers National Bank 471737XXXX.

INDIVIDUAL ACCOUNT 05/1997 09/1998 Revolving.

PAYS AS AGREED $164 $0 05/2002.

Prior Paying History.

ACCOUNT CLOSED AT CONSUMER'S REQUEST..

PAID ACCOUNT/ZERO BALANCE.

Haverty's Furniture 1028000000102XXXX.

INDIVIDUAL ACCOUNT 05/2000 03/2001 Revolving.

PAYS AS AGREED $2000 35 03/2001.

Prior Paying History.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

CHARGE.

Health Center Credit Union 1974800XXXX.

INDIVIDUAL ACCOUNT 06/1997 02/2001 Installment.

PAYS AS AGREED $10600 217 $0 06/2002.

Prior Paying History.

AUTO.

Health Center Credit Union 444996000000XXXX.

INDIVIDUAL ACCOUNT 12/1997 01/2001 Revolving.

PAYS AS AGREED $0 $0 01/2001.

Prior Paying History.

ACCOUNT CLOSED AT CONSUMER'S REQUEST..

PAID ACCOUNT/ZERO BALANCE.

Household Bank/Rhodes 53601-410106XXXX.

INDIVIDUAL ACCOUNT 05/2000 06/2000 Revolving.

TOO NEW TO RATE $0 $0 06/2000.

Prior Paying History.

CHARGE.

Kay Jewelers 663-304341XXXX.

INDIVIDUAL ACCOUNT 12/1998 Revolving.

PAYS AS AGREED $0 $0 06/2002.

Prior Paying History.

CHARGE.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

M.B.N.A Amer 426429899932XXXX.

INDIVIDUAL ACCOUNT 11/1998 04/2001 Revolving.

CHARGE-OFF $0 15 $0 07/2002.

Prior Paying History.

30 days past due 02 times; 60 days past due 01 times; 90 + days past due 04 times;.

ACCOUNT TRANSFERRED OR SOLD.

CHARGED OFF ACCOUNT.

Macy's East/Gecccc 64057746XXXX.

INDIVIDUAL ACCOUNT 04/1996 12/2002 Revolving.

PAYS AS AGREED $0 15 $562 12/2002.

Prior Paying History.

30 days past due 05 times; 60 days past due 02 times; 90 + days past due 01 times;.

CHARGE.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

Nbgl-Parisian 905141011008XXXX.

INDIVIDUAL ACCOUNT 11/1997 03/2001 Revolving.

PAYS AS AGREED $700 $0 12/2001.

Prior Paying History.

30 days past due 01 times; 60 days past due 01 times; 90 + days past due 00 times;.

ACCOUNT CLOSED BY CONSUMER.

CHARGE.

Nextcard 425498300113XXXX.

INDIVIDUAL ACCOUNT 12/1999 06/2000 Revolving.

PAYS AS AGREED $6000 $0 11/2002.

Prior Paying History.

ACCOUNT CLOSED AT CONSUMER'S REQUEST..

PAID ACCOUNT/ZERO BALANCE.

Rich's/Fdsb 12620XXXX.

INDIVIDUAL ACCOUNT 04/1996 06/2002 Revolving.

PAYS 61-90 DAYS $0 15 $599 $35 11/2002.

Prior Paying History.

30 days past due 02 times; 60 days past due 01 times; 90 + days past due 01 times;.

CHARGE.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

Sears 806051328XXXX.

AUTHORIZED USE 03/2000 11/2002 Revolving.

PAYS AS AGREED $290 11 $479 11/2002.

Prior Paying History.

30 days past due 03 times; 60 days past due 02 times; 90 + days past due 00 times;.

CLOSED ACCOUNT.

CHARGE.

Universal Card/Cbsdna 549113014729XXXX.

INDIVIDUAL ACCOUNT 08/1995 12/1997 Revolving.

PAYS AS AGREED $2300 $0 07/2002.

Prior Paying History.

AMOUNT IN H/C COLUMN IS CREDIT LIMIT.

Wfn Victoria's Secret 26899XXXX.

INDIVIDUAL ACCOUNT 02/1996 05/2001 Revolving.

PAYS AS AGREED $400 $0 05/2001.

Prior Paying History..

Lending Tree Loans

asked Mar 02 at 15:27

Jaylynn
0●4

6 Answers:

oldest newest most voted

0	I'm stumped. I'm not so sure what is the right answer. I'll do some Googling and get back to you if I got an good answer. You should email the people at Lending Tree as they probably could answer your Lending Tree question.. answered Mar 02 at 16:47 Bailey 170●5

I read the F&A section which was very helpful. I disputed a few items I knew definately not mine( the don't have a balance on them) I am concerned about my Charge-offs since I want to buy a house in the next 12 months. One charge off has a zero balance and I never hear from that company. The second charge-off is $6600.00 and I hear from a collection agency (Zenith).

Would it be a bad idea to send a letter to the one that was charged off and shows no balaance on the report as not mine??.

I plan on trying to settle with the $6600.00 in the next few months...

answered Mar 02 at 18:26

Alec
19●4

0	How old is the debt (when did it first becomse delinquent), and what state are you in?.. answered Mar 02 at 19:40 Gustavo 60●2

0	I am in Georgia. It is MBNA cardit was opened in 11/98, reported past due 9/01 and charged off it looks like in 07/02. Says account transferred or sold / charged off account.. When I settle an account should I do it through the OC or the CA?.. answered Mar 02 at 19:54 Emilia 405●1

That really depends on who you are dealing with. Which account are you talking about? I thought you wanted to dispute this particular one as "not mine.".

So to answer whether to dispute with MBNA as "not mine", no, I honestly wouldn't mess around with MBNA, unless you want to offer to pay them something. They will sue you in a heartbeat, and you are still within the SOL for it. You can dispute it with the CRA - but I think it would be better to pick out some detail that is really not accourate, a date or amount, and dispute that "I have never had an account with this company with blah blah blah..." If you dispute as "not mine" they will send you a form to file a fraud report..

Has a collection agency contacted you about the MBNA account? Is a CA reporting it?.

Like I said, don't mess with MBNA - wait til a CA has it and mess with them...

answered Mar 02 at 19:57

Brennan
140●5

The MBNA has not tried to collect and it is not being reported by a credit agency..

The Chase credit card has been turned over to Zenith Aquizitions and I do hear from them once in a while,but they are not reporting either..

When I do try to settle with MBNA ( you said they don't play) what kinda of settlement would I even try to offer and do I contact the OC since it has supposedly been sold?!!.

Thanks fro all your help!!!..

answered Mar 02 at 20:33

Jaydon
375●6

0	When I settle an account should I do it through the OC or the CA?. JHN27. =================Don't pay anything W/0 deleation in writing!.. answered Mar 02 at 21:09 Baylee 375●7

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