02-02-2011 05:10 AM
02-02-2011 07:01 AM
17?! That must have tanked your score! When you got them removed in the first place, on what grounds were they removed? Were they inaccurate or legit?
02-02-2011 07:30 AM
02-02-2011 02:22 PM
Sounds like a split file. It can be caused usually by too many soft inquiries. A few cases have been reported where it happened when disputing. Definitely a tough one to fix. If you have your old reports, they can reconstruct it for you. I never went through this, but there are other examples in here of that happening. It may be worth seeing what they did to fix it. Seems like much of the fix was via communication on the phone with EQ.
02-02-2011 10:23 PM
Prior delinquwncies or derogs reported to your credit file can live forever, and can be reported forever, until the debt is paid.
Debt, and drogs reported to your credit file, have no deletion from credt file inclusion.
02-03-2011 04:22 PM
02-03-2011 04:24 PM
02-05-2011 07:22 AM - edited 02-05-2011 07:23 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.