@skidz wrote:I am trying to close on my house and my score has gone down when I took off the disputes. In addition Macys in being reported incurrately. This is how:
This is a charged off acct in 2010. They reported in Aug 2014 and Jan 2015 that I was 90 days late. They are also reporting a bal 572 with open account and credit limit of 190. I believe this is hurting my credit score. I did nt think they could report 90 days late after my last payment was in 2010. This is with MACYS still and I have paid this account off yesterday. What is my best solution for a quick fix to improve my score?
There is nothing that is going to improve your score immediately unless you got a successful PFD with them, when they update to paid its just as bad in Ficos eyes as an unpaid CO.
@skidz wrote:
90 days late
They can update that to say Paid CO was 90, its the fact that its a CO that is the most damaging part.