Posts: 5
Registered: ‎10-20-2010

New Problem

I just checked my fico and noticed that it took a hit this month from an electric provider. Planing on paying this provider off by the end of the month however I want to get this completely removed from my CR. The original date of default was on 08/10 due to my divorce I'm going through now. What steps do I need to take? I have an idea of calling the electric provider and informing them that I plan to PIF however I do need this removed from my credit report immediately however I want to ensure that this matter is resolved and about how long should it take if they agree?

Regular Contributor
Posts: 151
Registered: ‎05-22-2010

Re: New Problem

Did they send you any sort of notice prior to posting to your credit report? 

Starting Score: EX: 661, EQ: 662, TU: 694 [Lender Pull 12/30/2010]
Current Score: EX: 665, EQ: 680, TU: 710
Goal Score: EX: 750+, EQ: 750+, TU: 750+

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Valued Contributor
Posts: 1,349
Registered: ‎01-29-2008

Re: New Problem

[ Edited ]

 It usually takes 30 to 60 days to update with the credit agencies, I have had in the past bad accounts removed off my credit report although I had one collection agency send in a request for removal and the next day it was removed off my EX report when I checked.  All I can say is EX is the quickest for updating accounts and reporting

I would see if you can do a pfd and explain your current situation tell them you really need this help.  Good Luck

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Posts: 5
Registered: ‎10-20-2010

Re: New Problem

I never got any letter and I checked their website and my account is still open on their website too. I am going to call them and find out what's going on? I want this removed asap.

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