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New Member
BABYPHAT26
Posts: 16
Registered: ‎07-12-2007
0

ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

Should I tell all Credit bureaus to update my information? It is still showing I'm a student from 1999. I didn't want to update before because I thought they would really hound me for the money. I also still have a judgment that won't come off until 2010. Thanks for any replies.

New Member
BABYPHAT26
Posts: 16
Registered: ‎07-12-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

50 replies and no answer? Help anybody?
Established Contributor
Irvin
Posts: 510
Registered: ‎04-17-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..



BABYPHAT26 wrote:

Should I tell all Credit bureaus to update my information? It is still showing I'm a student from 1999. I didn't want to update before because I thought they would really hound me for the money. I also still have a judgment that won't come off until 2010. Thanks for any replies.




What do you mean by telling all credit bureaus to update your information...aren't they all "dropped from credit reports?
 
 
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..



BABYPHAT26 wrote:

Should I tell all Credit bureaus to update my information? It is still showing I'm a student from 1999. I didn't want to update before because I thought they would really hound me for the money. I also still have a judgment that won't come off until 2010. Thanks for any replies.



None of your employment history is impacting your FICO score... How much is the judgement??? I'm not one to let judgements fall by tyhe way side. They'll come back and bite you in the end.
 
How many charge offs fell of your CRAs? Not really sure what your post means.
 
Rob
New Member
BABYPHAT26
Posts: 16
Registered: ‎07-12-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

Update my information as in putting my job on there. I feared putting it on there because the old collection agencies might start hounding me for money once they see I have a job..lol.
Established Contributor
Irvin
Posts: 510
Registered: ‎04-17-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

I don't have any employer names listedon my reports. Do we HAVEE to inform them about our employers?
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

The first time you apply for new credit, your employment info will be added to your profile... In the mean time, don't sweat... Still don't understand the significance of you post though.
 
Rob
New Member
BABYPHAT26
Posts: 16
Registered: ‎07-12-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

I'm sorry that I wasn't clear on my post. Three of my charge-offs came off. I thought my employment history would be good on there for lenders that I didn't talk to directly.
 
Explain to me what you are saying about the judgments?
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

If they have fallen off of your CRAs and later they find a way to collect the owed debt, it is not unheard of that they can begin reporting again. My personal opinion is to pay them off. But I'm trying to fix my overall financial health as well as my FICOs.
 
Good luck.

Rob
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: ALL CHARGE OFFS ARE DROPPED FROM CREDIT REPORTS..

Lenders don't typically care what your employment history is as stated on your CR... They will request Proof of Income and employment verification if they need it.
 
CAs on the other hand may use information found in the section that contains work and residence information to advance their collection efforts.
 
Rob

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