New Member Posts: 6 Registered: ‎12-27-2012 Next steps - is it a
waiting game now?  I have been rebuilding my credit for several
years following 4 years late payments due to financial issues
resulting from medical bills.   I've been working with a credit
repair company.   At this point they have cleaned up all they
can.  My credit score went up 135 points but I still am not
there yet.   650 EX, 650 TU, 590 EQ (average score 630).  
However, I've been told that those scores are on the 850 scale,
not the 950 used for a traditional mortgage loan.   On that
scale I'm averaging at 590 - too low for a mortgage.   I have no
debt, just paid off my car loan.  I have no credit car balances,
credit limit of 5K.  I have 20% down payment saved.   I have no
idea where to go next.   There are 2 public record items on my
account that are hurting me.  Both were lawsuits of 5K eacah.  
But I won both in court and owed only court fees of $92 - 200.  
Both were paid.   However, i cannot get them off my record.
Any idea what to