05-04-2007 04:23 PM
jdcg21 wrote:what im wondering is that if you pay off an account that has been to collections is it better on your credit score or is it the same. There are two accounts that have several 120day late hits.Another question is there a way for the collection people to take off all the late dings?
05-21-2007 03:02 PM
05-21-2007 04:49 PM
riteficos wrote:Can u please give me a sample goodwill letter? I have a late pmt from 2 yrs ago, not my fault though. It was a change of address, never got my stmt, ........It is paid, but can I have it removed now.
05-21-2007 05:02 PM
05-21-2007 05:47 PM
05-21-2007 06:06 PM
inquiries stay on reports pulled directly from the CRA's and most FAKO's for two years. With FICO they only stay on your reports for one year and may or may not effect your scores for up to a year.
Inquiries last for 2 years. Do they effect your score after 1 year?
05-21-2007 08:43 PM - edited 05-22-2007 03:15 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.