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This is great! I just watch my fico score drop 70 points because I was late. I lost my job and was trying to make ends meet. I at least had one of my revolving cc for 2 years and was in great standing records......I am now caught up today and have less than half a bal oweing from the credit limit. Should I write a note to the credit bureaus and have it posted on my credit report. I did read creit 101.....but I do not recall reading anything of this.
Thank
Moved to Bankruptcy
Love this post! The following link is no longer available:
" 1. If there is inaccurate derogatory information on your credit report, get it corrected.
USE A GW LETTER FOR ACCURATE DEROGS SUCH AS LATES AND PAID COLLECTIONS:
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661
You'll see this: "The Message you are trying to access has been deleted. Please update your bookmarks."
If anyone has the current bookmarks, I'd love to know.
Thanks!
utah2009 wrote:Love this post! The following link is no longer available:
" 1. If there is inaccurate derogatory information on your credit report, get it corrected.
USE A GW LETTER FOR ACCURATE DEROGS SUCH AS LATES AND PAID COLLECTIONS:
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661
You'll see this: "The Message you are trying to access has been deleted. Please update your bookmarks."
If anyone has the current bookmarks, I'd love to know.
Thanks!
Question: I have plenty of CCs, but no department store cards. Would adding a department store card improve my FICO score? Secondly, would any increase it generated be offset by the decline from an inquiry? (We are looking to refinance our mortgage shortly)
TIA
@Anonymous wrote:
If a derogatory comes off in seven years from the date it goes bad, is that the date it went bad from the original lender or from a subsequent collection agency? I have some baddies on my report which should be off if it is dependent on the original lender date gone bad.,
Derog information should be removed 7 - 7 1/2 yrs. from DOFD. Collection agencies cannot reset this date unless you at some time started payment to them.
@Anonymous wrote:This is great! I just watch my fico score drop 70 points because I was late. I lost my job and was trying to make ends meet. I at least had one of my revolving cc for 2 years and was in great standing records......I am now caught up today and have less than half a bal oweing from the credit limit. Should I write a note to the credit bureaus and have it posted on my credit report. I did read creit 101.....but I do not recall reading anything of this.
Thank
Was this a 30 day late? It might be possible to have the creditor remove this from your reports by sending a GW letter explaining your recent unemployment and how you are striving to repay and keep current your accounts.
Do a search on this forum for GW letters...and if it doesn't work the first time, try again...then try again in 6 months.
Don't give up.
ETA...I just noticed I replied to a post over 5 months old...hope this worked out for him.