Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
Re: Can a credit score get really high with...

Mondavi wrote:

Well the negatives that are less than a year are the ones really hurting your scores. I have 3 CO's still on my report two are over six years old and one is over five years old with a balance still. My util is at 3%. I still have two FICO scores just over 700.


The collections that are over six years old you could always dispute, however if they are unpaid you may wake a sleeping dog. Could you give us an idea on what collections you have? Some of these collections agenices will do Pay for Delete letters.

You cannot dispute accurate information.  Just because they are over 6 years old does not make them disputable.