Please tell me what is wrong with this.

sphinx313 · ‎11-13-2012

Comments:

Account paid for less than full balance,
Charged off account

Obviously settled for less, hopefully no more than the original $100. I am curious though...why is this person being slammed and listed as a recent missed payment when they settled and paid it off? What a discouragement to pay anything.....

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

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kese · ‎11-13-2012

yes, i was thinking the older the negative the less it will hurt. but now it looks its hurting me alot since it killed my 4 yr clean payment history with all my current accounts.

somebody chip in please if they can actually auto populate the last 24 months with CO. THANKS

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across
In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

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kese · ‎11-15-2012

WOOOOW! I guess persistence pays! Look at this. Got 20+ points back in equifax.

>>> We have researched the credit account. Account # ********** The results are: This item has been
deleted from the credit file. If you have additional questions about this item please contact:***/Capital One, PO
Box ****, Milwaukee WI 53201-3115

tional questions about this item please contact: ****/Capital One,

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across
In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge

Re: Please tell me what is wrong with this.

Re: Please tell me what is wrong with this.

Re: Please tell me what is wrong with this.