New Member
Posts: 2
Registered: ‎03-24-2012
Removal of old baddies- PLEASE HELP

I have a question, I have some old baddies that are on my credit report that are failing to drop off. I have bad luck in the past with trying to dispute certain accounts sometimes resulting in new baddies showing up on my credit report. At this point now I have baddies that are over 7 yrs old but continue to report! any suggestions on how i get them removed? 

 

I have worked to hard to get my fico score from 479  2yrs ago up to 696(lender pull). I really want to break the 700 mark.

Thanks for all your help and ny suggetions!

Established Member
Posts: 29
Registered: ‎02-17-2011
Re: Removal of old baddies- PLEASE HELP

Check exact date of first delinquency. They may report as long as 7 yrs + 180 days.

Moderator
Posts: 13,647
Registered: ‎04-15-2011
Re: Removal of old baddies- PLEASE HELP

+1   Some people forget the +180 days part.  :smileyhappy:



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!