07-16-2009 04:01 PM
BUT it's the 4yr old one. I have one from May 08' that I really wanted to get deleted too and that's the one I specified more. These are both paid medical accts.
I got a letter in the mail today saying they will delete the older one.
True Credit reports all 3 bureaus reporting both, but here, only EQ shows both. All 3 have the newer one showing.
I know beggars can't be chosers and I'm very greatful for their help. Should I pursue with getting the newer one off? I'm wondering if I should call her. She said "If you have any questions feel free to call me." Somehow, I'm not feeling very "free".
What would you do?
07-16-2009 04:04 PM
07-16-2009 04:16 PM - edited 07-16-2009 04:17 PM
07-16-2009 04:23 PM
I'm not sure.....I just know "of" it. I've never had to use it.
Read up on it here. You can no longer ask questions, but there is a ton of info
07-16-2009 05:03 PM
07-16-2009 06:55 PM
07-17-2009 03:26 AM
I read that it doesn't work if it was turned over to collections and you paid the CA.
There are a few of my accounts that have been paid but still report my lates. They can report closed accounts for 7.5 years paid or not. Just like credit cards do. I don't know. I don't even understand the HPAA process and I've read it many times. Opt out of my credit cards? What does that even mean? Grrr.
Nevermind. I suppose I'll just get the guts to call her someday and ask her to remove the new one.
07-17-2009 04:28 AM
Opting out means that ccc's cannot share information such as your name, address, ph# etc. They already cannot share SSN & the like.
You can also opt out w the CRA's where they cannot share your info either. Keeps new CA's from getting your address, ph# etc. IF you happen to have any skeletons out there you'd rather keep in the closet!
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.