Hi there, I recently applied for a mortgage with my husband. I have an "great" score but my husband has a "not good" rating so we are probably going to try to put everything in my name. I want to try to bring up my score even higher, if possible. When I go to myfico, it says that I have 63 accounts which may be hurting my score. Most of the accounts have been closed for some time but still appear on the report. Can I get them removed? How do I do that? And will removing them hurt my score at all? Thanks in advance! Michelle
I was thinking of removing the ones that were newer and leaving approx 2 per year for each of the 14 years I've had credit established. Whattaya think? Not worth doing? It would leave me with about 1/2 of the 65. And if I did, how would I do that?
CrazyCredit wrote: I was thinking of removing the ones that were newer and leaving approx 2 per year for each of the 14 years I've had credit established. Whattaya think? Not worth doing? It would leave me with about 1/2 of the 65. And if I did, how would I do that?
You can't really remove accounts. They stay on for 10 years after they are closed, then drop off
The slide from grace is really more like gliding And I've found the trick is not to stop the sliding But to find a graceful way of staying slid
