Reply
New Member
Posts: 4
Registered: ‎07-07-2011
0

Affect of Deleted Public record

After a long wait, my only public record (PR) has been deleted and it jumpe my score by 50 points - 698 to 748.  So for those who were wondering what the hit of a PR is, I can confim it is around 50,  a long as there are no other SERIOUS dings on the report.  For eample, on my TU report, there were some 5 yo 120 day lates, and after the PR was deleted, there was no change in score, it stayed at 700. 

 

Also,  I had sent all 3 three agencies a goodwill letter asking them to delete the PR, begging them to delete it ahead of time.  It was sheduled to fall of in Dec, 2012.  2 of the agencies deleted it 3 months in advance.  The 3rd, just deleted it on Nov 3. 

Epic Contributor
Posts: 20,083
Registered: ‎03-19-2007
0

Re: Affect of Deleted Public record

I doubt that your GW letters to the CRAs were a factor in their earlier exclusion.

CRAs have no authority to grant deletion of accurate creditor reporting as a matter of good will on their part. 

CRAs rountinely exclude adverse items from their credit reports prior to the maximum statutory date, thus giving them some cushion in not becoming in violation of section 605(a).  Its done through computers.  I would speculate the same exclusion would have occured absent any GW requests to them.

Contributor
Posts: 88
Registered: ‎03-22-2010
0

Re: Affect of Deleted Public record

thanks for the post, ronron.  I have a PR scheduled to fall off next month, and was wondering if my score would change.  it's been a long 7 years, and I can't wait to be rid of that baddie.  I paid it off 3 years ago, but the jerk collection attorney would not agree to anything other than the satisfaction of judgment.  and, I had to go pick it up and then to the courthouse to record it.  I made my final payment in cash, and it still took them 3 weeks to prepare the satisfaction of judgment. And, they wonder why everyone hates them. 

Hope my score has a huge jump like yours did. 

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.