08-18-2011 06:47 AM
As I began to rebuild, I have had great days and some bad ones..lol Today, I was alerted that a 6 yar old CO has reported on my EX report. What could be done about this? Also, what kind of hit will I take as far as my scores are concerned. Any help or suggestions?
08-18-2011 07:19 AM
I'd start firing off PFDs.
Hit? It depends on how it reports and the debt type. If it is a CC for example and it reports a balance and CL, then there could be a hit due to util. Or maybe it is a CO like a utility then the reported dates matter. On the flip side, if it is an old CO, with an age older than your AAoA, then in some situations, you could see an increase. It all depends.
08-18-2011 09:43 AM
I hate when old collections show their ugly heads! I had 2 show up the beginning of the year. I settled it and then disputed them b/c the CA said that they wouldn't PFD but I got both removed. Just stay positive and have a plan of action. Don't concentrate on how much it will ding your score but on how to get it removed ASAP.
08-18-2011 06:48 PM
Don't give up, Mia!
I wont girl. I will keep fighting... I have 3 more PFD's that will be happening so I am okay with it for right now.
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.