08-28-2007 08:52 PM
08-28-2007 08:54 PM
08-29-2007 10:20 AM
one more quick question"Collection accounts: Remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked "paid collection" on the credit report."Same as my first question.... will a "paid collection" make any difference on my score vs. a non paid collection?
09-05-2007 12:03 AM
09-07-2007 01:38 PM
09-14-2007 06:17 AM
09-16-2007 09:01 AM
09-16-2007 06:50 PM
"Bankruptcy: Chapters 7, 11, and 12 remain for 10 years from the filing date. Chapter 13 remains seven years from the filing date. Accounts included in bankruptcy will remain seven years from the date they were reported as included in the bankruptcy.
So just to be clear, even though a chapter 7 will stay on for 10 years, individual accounts included in the chapter 7 can be removed from the date reported as included (generally date of filing)? I filed 11/01. I have items that were never delinquent and some that were delinquent over 7 years ago, but since they are included in BK, I can get them removed after 11/08? I don't have to wait till 11/11 for them to fall off?
09-16-2007 11:04 PM
Just to be clear, the law allows the CRAs to report BKs for 10 years, whether BK7 or BK13.
In practice the CRAs report BK13 for 7 years from the filing date and report BK7 for 10 years from the discharge date.
10-04-2007 08:56 AM
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.