05-15-2013 01:29 PM
05-15-2013 01:58 PM
Shouldnt tell them to delete it. It's not legal and apparently they get in trouble for it. However it's not against FTC rules for them just not to report it. That's what i asked Sallie mae to do. It's comes up on your report as not reported. No lates , no payments just - Not Reported.
05-15-2013 02:02 PM
I get where your coming from because it sucks that its on your CR at all.. but honestly they aren't going to go out of their way to help you... Think about it.. if you cant get a loan from another instituion because they are on your CR.. then where are you likely to return to? THEM! again, i see your frustration but unfortunately, they dont look like they are going to budge one bit..
05-15-2013 02:03 PM
I'm not certain that you'll gain much from deleting them -- since they are all paid on time and have no lates, you might be better off keeping them around. They are helping your AAoA. I don't think the FICO score ding for consumer finance is really all that significant.
05-15-2013 06:18 PM
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.
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.