Need quick credit solution

[Devin Peterson]

Buyer is under contract to close on their primary residence by Jan 5th, They came to me with the issue of having an incorrectly reported derogatory payment issue on their credit.

a credit card company incorrectly reported a 30,60, and 90 day late. I reviewed the persons payment history going back 2 years and can confirm they actually did not miss a single payment.

the big issue is that we cannot seem to get a conditional approval or approve eligible through LP/DU. I need to find a a way to get these late payments removed from credit in less than thirty days which is the standard timeline I’m aware of for this sort of thing.

360,000 sales price

5% down (tried Fannie and Freddie) haven’t tried fha yet - will run later

690 fico

45dti back end

1. I want to see if there are any resources anyone know about to have these reporting errors removed quicker, has any broker, lender or anyone in general had this scenario before and found a way?

2. Is there any cash buyer / private lender out there that would be willing to do a 30-day buy and hold (cash) for this buyer to get their credit straightened out? I’m sure transactional fees will apply. That’s ok