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Lizard my question was in response only to them deleting every thing IE all negitives even valid ones or ones that were not being verified since OC pay a fee to post info They might get a little upset if they were deleted. just hypothetical question

My wife and I are at the very early stages of buying a home, we have some credit issues that need to be cleaned first. A friend informed me that when a married couple applies for a mortgage the spouse with the higher income is what the loan is based on. Is this accurate? The reason I ask is that my wife makes a couple of grand more then I do per year, the downside is that her credit is in much worse condition then mine, and will be much more difficult to repair.

"Please be advised that MKM Acquisitions LLC has purchased the above referenced account. All payments or questions about this account should be directed to us in writing using the postage paid return envelope provided and or by calling us at the telephone above."

Before I disputed the tradeline, it just showed a $288 past due balance. They just now updated it as a CO , would the FCBA not apply because this is a CO and therefore, no longer open? What law would cover their continued collection activity after they rec'd my dispute but failed to respond?