10-22-2012 08:40 PM
so 5 years ago i had a repo from wells fargo the current balance they show is a little over 23,000 which i owed like 16k when repoed, anyways they make sure to refresh or add to the bureaus atleast 1-2 times a month which sometimes brings my fico down as much as 25 points all at once. is there anyway to get them to quit refreshing the debt or do I need to just buck up and send a pay for delete in. I want to buy a house here in the next year and i need to bring my score up a solid 100 points before I can do this... also with an original debt of 16k and a current debt of 23k that is about 5 years old what would be a fair offer in a pay for delete?
10-23-2012 12:09 AM
What's the SOL of your state? Is this account still within that timeframe?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO