Does anyone know when you have baddies included in your bk when they fall off your report does it help your score out then or when the bk falls off?
I was reading this book on credit (circa 1993) and it mentioned that we have the right to insert missing data into our credit file. This is not suggesting adding a comment to a TL, but adding what sounds like a new TL to a CR for credit items that don’t appear on the report. Items such as credit at a local department store, credit from another CRA, etc.
Â
It mentions this is a right under the FCRA. However, I cannot find the section in the FCRA that pertains to this right. I realize this is an old document and that it could be outdated. Can anyone confirm this? Has anyone done this?
Â
Thanks,
JD12
I have a collection account from 2007 that was paid off almost immediately. On my last direct report from Equifax it shows the status as “Paid”, however the collection account still shows up (with no paid status) in myFico. The balance does show correctly at $0, however, is this still affecting my credit score as it is flagged all over the report as having a negative collection on file? Is this like the others that just need to “fall off” after several years? or something I should dispute and request removal?
Â
Also, do I have to buy the report all over again through equifax to get the report number so I can dispute online? Why is there no report number supplied through myFico as they are just taking the report and reformatting it to look pretty and display it on here?
Â
Thanks in advance for any help on this
Hi guys, I have a question on closed accounts. I have some on my report that show Pays as agreed, account closed. And then I have others that say Pays as agreed, account closed, but these have late payments showing from years ago. Are these even considered by Fico since they are closed accounts? They are like 6 – 10 years old, but like I said closed. Should I dispute them and have them removed? The only positive thing I see it contributing is length of credit? They definately are not considered in my debt ratio? Any suggestions. Thanks!Â
Has anyone ever offered to pay off a small debit purchased buy a debit collector? I recently had a debit collector add a tmoble bill from five years ago, it’s only $208.00 but it really hurt my credit report. If I contact the debit collector and settle with them, will they agree to remove the debit from my report. Has anyone had any experience with this?
I have a paid collection on my report from the Paper shop advertising. I sent a gw letter to ask if they would remove it from reports, then on Jan 19th I got a call from the oc and they said they would remove it and that it will take 30-45 days to come off reports. I called them again last week when it was just over 45 days, they said that there part was done they told the credit bureau’s to delete and was out of there hands now. How long does it take for the credit bureau’s to remove the items? It has just about been 60days since the oc agreed to delete this collection.
Â
I had a collection on my account from National Recovery Agency. When I called them, they said they no longer serviced the account and wouldn’t even tell me who the OC was. I asked them to provide this in writing, but they refused. So, I promptly disputed the collection through the CRA. I got notice yesterday that the results had come back and that the account would be delted from my credit report. Very exciting!
Â
I pulled a new copy of my report and noticed that they had in fact been delted. Very, very exciting! However, my score hasn’t changed at all. Wouldn’t it increase since a negative remark has been removed completely?
Has anyone had any success with a PFD with HSBC, if so, please tell you’re story. I am currently contemplating sending them an offer on a 5 year old debt to get it off my report. It is a charge-off that I want them to take off. I appreciate any insight…