Reply
New Contributor
Posts: 50
Registered: ‎09-13-2010
0

Advice needed!!

I have an account from 2000 with Nuvell that is showing paid as agreed but lates in 2004 so there is a flag on my CR. Should I dispute to have the account deleted of try a GW letter with Nuvell. If the account is deleted the next oldest is 2001 with EQ and 2005 with TU.

Starting Score: EQ-543
Current Score: EQ-622, TU- 619, EX? 10/13/13 EX Lender pull 637
Goal Score: 650



Take the FICO Fitness Challenge
Moderator
Posts: 16,438
Registered: ‎07-14-2009
0

Re: Advice needed!!

 


Readyforchange wrote:

I have an account from 2000 with Nuvell that is showing paid as agreed but lates in 2004 so there is a flag on my CR. Should I dispute to have the account deleted of try a GW letter with Nuvell. If the account is deleted the next oldest is 2001 with EQ and 2005 with TU.


 

Hi and welcome.

 

Late payments will stop reporting after 7 years from each individual date of delinquency so depending on when these lates happened they could be dropping off soon.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Epic Contributor
Posts: 20,269
Registered: ‎03-19-2007
0

Re: Advice needed!!

Additionally, if you request "deletion," dont request deletion of the account.  Just deletion of the individual delinquency or delinquencies under the account.

Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: Advice needed!!


Readyforchange wrote:  Should I dispute to have the account deleted of try a GW letter with Nuvell.

Hi ready,

 

Well, first it depends on whether the reported account is accurate or not.

GW's are used for accurate info you would like to get removed at the goodwill of the creditor;  but these forums do not encourage disputing accurate info in an effort to remove it. 

 

 

If the Nuvell info is accurate, please check the FICO Forum User guidelines statement regarding Credit Repair:

 

FICO Forums is intended to provide helpful and useful tips for managing credit and understanding FICO scoring.  This is not the place to exchange ‘credit repair’ advice that encourages consumers to provide untrue or misleading information to a credit bureau or lender for the purpose of raising FICO scores or otherwise improving credit ratings, credit histories or credit records. Such material may be edited or removed, and egregious or repeat offenders will be banned from future participation in FICO Forums.

 

Hope that's helpful - I couldn't tell if the info was accurate and needed a goodwill; or inaccurate and needed to be corrected.

Just puttin' syrup on something, don't make it pancakes.
Moderator
Posts: 16,438
Registered: ‎07-14-2009
0

Re: Advice needed!!

 


RobertEG wrote:

Additionally, if you request "deletion," dont request deletion of the account.  Just deletion of the individual delinquency or delinquencies under the account.


Good point.

 

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.