I am currently cleaning up my credit reports, but I am noticing that my scores are dropping significantly with each deletion. I went from a Equ-599, TU-589, Exp-608 to now 30 days later Equ-559, TU-566, Exp-609. I have noticed a lot of big balances and things I have paid off, deleted from my credit file, but my score is falling instead of rising, is that possible. I have not applied for any new credit, no inquiries since August 2008.
Jul 292010
- July 29, 2010
- Posted by jedwan at 7:33 pm
- No Responses
- Rebuilding Credit
- big-balances, credit, credit-file, credit-reports, days-later, equ-599, exp-608, falling-instead, inquiries-since, score, scores
I received a statement from HSBC – Best Buy. Account is 3 months in arrears – I messed up & want to fix. I then received statement from Collection Receivables. I did a DV. I received copy of credit card request from Collection Receivables and a letter saying to contact them to make suitable arrangments. 2 days later I then received statement from HSBC. I want to fix this – I got a copy of my credit report and the account is “account closed by credit grantor” 120 days past due.
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Can I do a PFD with the original creditor or do I have to deal with the CA.
If I can do a PFD with the CA (not currently showing on account) – I’m assuming the HSBC will still show up.
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I know I messed up – i moved and didn’t take care of my business.Â
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What is the best path?
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- July 7, 2010
- Posted by jedwan at 8:56 pm
- No Responses
- Rebuilding Credit
- account, account-closed, business, collection, credit, Credit Card, credit-grantor, credit-report, days-later, hsbc, letter-saying, make-suitable, received-copy, then-received