Your client needs to have the authorization letter and the HUD. Make copies, attach and send with a letter disputing the tradeline to all agencies showing the error and requesting the change from foreclosure to paid off. HUD alone may suffice.
The tradeline should read similar to "paid off other than contracted amount", I don't know the exact verbiage.. The normal verbiage is "paid as agreed". If your client gets that on the tradeline, better yet! Her score increases on activity, so she should be well on her way to improving if she has other credit to work with.
Thanks everyone! You have been a huge help and fast too!
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