I apologize for the "bleep" everyone, could have sworn I typed something else. My bad!
trinigal wrote:I'm chiming in:1) All items that are not reported on your credit report regularly, i.e actual debt (cc, mort, install, sudent loans etc) should be deleted from your credit report when they are settled.So, all those unpaid utilities, medical collections, etc. once you pay them.....AUTOMATIC DELETION!! They have nothing to do with anything. And if they can't report that you pay the **bleep** cell phone bill every month, they ought not be able to report that you owed them back in 2003, but evenutally paid them, for the NEXT 7 YEARS!!!AND2) For every 12 months of on-time payments, your oldest late payment should fall off of that account.My sister told me they tried to jack up her car insurance because they pulled her report and saw she was 30 days late on a credit card 4 years ago!!! BOLLUCKS!!