Divorce, Bad Credit, and first time home purchase…?
Long story short…
I went through a divorce 3 years ago…it ruined my credit, and I’m in the process of bringing it back up. I’ve disputed several things on my report that should have been removed from the divorce. Some have been removed and I’m still waiting on others. There are items on there that are listed 2 times and the company will not remove it. However, I have raised my credit score from the low 500’s to 701 according to experian. I’m currently trying to get pre-approved for a home loan…it will be my first time purchase, but these duplicate items are what is holding me back now I believe. I talked to a loan officer at a local bank and when he pulled my report he listed those items to me and said they would need to be taken care of before I could get approved even though I have a credit score in range.
My question is…what are my options…these items were from the divorce, and it’s for some reason showing as a duplicate on my report…what can I do to get approved for a home loan? Are there any companies out there that help with special situations or is there any other way I can get this removed?
Thanks for your help!