Moderator
Revelate
Posts: 8,371
Registered: ‎12-30-2011
Re: improving Credit score

QAMngrGirl wrote:

liodane23 wrote:
Can anyone add to this currently 3cc @ 27% and other @37% only one negative item from 2003 states closed 0 balance.

Maybe a stupid question but isn't this too old to still be reporting? 


Depends on the negative, tax liens or renewed judgements for example but yes most are there for 7-7.5 years give or take.  If the negative is one of those which is supposed to come off after the usual period, disputing as obsolete is recommended.  

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge