Established Contributor
Posts: 516
Registered: ‎09-25-2009
Re: SO bummed! She said no :(

I am going to give you this tidbit that someone gave me.   You need to respond back to her again with this line:


While you do have to report accurately, the law also provides that you don’t have to report at all.  In fact, Section 623.a.7.e of the Fair Credit Reporting Act (FCRA) states that you do in fact have the authority to remove negative, yet accurate information from a credit file if you choose.  The FCRA just requires any information that you do report to be accurate.”

Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge