10-25-2012 08:15 PM
My fico transunion and experian are 645. A lender pulled my score and said they are both 599! I know they use a different scoring model but what are they using? How do I know when my credit gets up there?
I have 4 collections and a balance on a credit card which I will have at least two collections removed and the CC paid off. Will this be enough?
They said a 2007 charge off hit my report again for some reason.
What do I do?
10-26-2012 05:27 AM
A chargeoff hit your report again? Did you get it off of there before? Was it disputed before? Did the CRA send you verification that this was added back to your CR?
10-26-2012 10:24 AM
NO, it seems like they are reporting them Montlhly
I disputed these back in July and they all came back verified. OMG I am married to these things.
|Creditor Classification:||Medical/Health Care|
|Creditor Name:||RUSSELL D D S INC|
|Account Owner:||Individual Account.|
|Original Amount Owned:||$564|
|Date of 1 st Delinquency:||03/2007|
|Last Payment Date:|
|Status:||D - Unpaid|
|Comments:||Consumer disputes this account information, Medical|
10-26-2012 11:01 AM
Have you tried to offer a PFD for it?
10-26-2012 11:43 AM
I am working on that now.
Some things are in the way of me paying them but it will probably be till the end of the month. There are 4 of them actually, collections that is.
I must be new at copying and pasting.
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