I 'm in the process of trying to get a mortgage from XXXX XXXX XXXX. In doing that XXXX looked at my credit report & saw some outstanding things:1.There was a judgement from XXXX back from XX/XX/XXXX which i do n't know anything about. 

2.There was a tax lien which I paid in full but needed it remoed earlier than XX/XX/XXXX in order for my credit score to go up to get a better mortgage. 

3.I also had a volunteer return for my old XXXX XXXX , but it shows as a " repo ''. I was behind a couple months, then I contacted XXXX XXXX & drove the car myself to the dealer where I ought it from to return it. Once XXXX sold my XXXX, they gave me a check for the difference in balance, so how can this be a repo if XXXX gave me a check for the difference when the vehicle was sold? 

4. There 's also a collector trying to get {$200.00} from when I was in the emergency room, however I have Full medical coverage from my work & i paid the co-pay to the hospital. The emergency visits are covered. How can the hospital try to collect from me, when I already paid the co-pays? 

I just called Experian & XXXX XXXX this morning to get all of the above issues investigated. However, I had to do with automated teller, then deal w/Phone operator which did n't have a good attitude, so I 'm afraid that they may not process correctly? I hope that you guys can help me in following up with them to make sure that they remove these outstanding issues in order for me to get a better credit score so that I may get this mortgage from XXXX XXXX XXXX & start a new chapter in my life with my wife. 
Thank you in advance for your help in this matter