That's a good question. I'm not sure what is the answer to that question. I'll do some poking around and get back to you if I discover an answer. You should email the people at Lending Tree as they probably could give you an answer..

Teresa,.

Not sure if this will help you are not, but we are overseas too and I have been *fighting* to get my husbands reports online too. I have been successful in getting TU and Experian online. And was able to get Equifax only through a 3-in-1 at consumerinfo.com not as accurate I know but gives you an idea. You have to play around with the phone number to get one of them (not sure which TU or Exp) but I think I had to put my phone number in as an 800 number area code. The 3-in-1 was not immediate, I had to wait for them to mail me an authorization code, but it was quick - shocking considering our mail system!!.

Hope this is some sort of help. Good luck!..

If the chargeoffs are old, alot of the subprime lenders wont make you pay them. I had 3 from 1996 and didn't have to pay, mid score was 610-620 and got a 103% from Decision One @ 7.76 2 years adjustable with a steep prepay penalty and NO MI..

WALLST..

Thanks guys for all your help, we have been talking to a realtor in Texas where we are heading back and they gave us some names of the local lenders but we will see. I have emailed one from write there in town and I do not want to ask them to pull anything yet because of my disputes, I guess I will have to wait to see in a couple of months what they say. As for being overseas it is harder then heck to get access online. Not sure what the problem is...I am plugging info write of of the 3-in-1 I got from creditprofile and can not get one from the individuals CRA's. I have used consumerinfo before...did you say they are pretty accurate? Last time I pulled them free trial, my experian score was 620's, for my husband and I then I pull from creditprofile and they are nearly 100 points lower for me and 50 for hubby. I know being as accurate as possible going through the individual CRA's is best for score and on my disputes to the CRAs I asked for an updates report hopefully that will help get me new reports. Got another green card in the mail today :-) Talk to you all soon..

Wallst, most of CO are from 96 hopefully that will be the case with me..thanks for your info...

What part of TX? I have a couple of pretty good lenders I can try and hook you up with. (I used to be a realtor)...

Hey jlynn, we are heading to Wichita Falls, Sheppard AFB there. We are so excited, been here for almost 7 years miss the states..:-) I appreciate any help that you have around that part if any...still waiting on my new CR. Got about another 2 weeks still UGH.....

Hey jlynn, did that work, I went to my profile and turned it on.....

You've got mail..

BTW, since your still overseas, a good place to get an idea of houses for sell in your area is.

Www.realtor.com.

They pull the info from local MLS databases (multiple listing services), so it stays current...