Posts: 9
Registered: ‎04-25-2007

Delete negatives even if they provide longest history?

[ Edited ]
Should I delete negative items on my credit reports that are over 7 years old even if they provide me with a longer credit history?  I have 3 from 1999 - all of which were included in my bankruptcy in 2003 and are reporting that way.  My credit reports currently say I have 15 accounts - but I really only have 5 active now since the bankruptcy.  Would it make a difference in my score to have the older negatives deleted?

Message Edited by kchev on 04-25-2007 12:54 PM
New Contributor
Posts: 117
Registered: ‎04-18-2007

Re: Delete negatives even if they provide longest history?

yes. I would personally try and get any negative information deleted because it always lowers your score. Your credit history may shorten but hey, at least it will be good credit history that remains.
Valued Contributor
Posts: 2,374
Registered: ‎03-15-2007

Re: Delete negatives even if they provide longest history?

I would definitely go with contesting the negative information.
- - - -
in a credit-scoring postnuclear Stone Age...

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+