topic Re-aging in Rebuilding Your Credit

Re-aging

Anonymous — Fri, 27 Dec 2019 02:35:50 GMT

8 moth ago my credit score was 740 today it’s 610 cause I realized that my credit file was resold and it’s showing 90 day past due I think that bad credit is over 7 years but don’t really know cause it show up under a different company
I have a bank credit card never late and Fingerhut never late my balance is 0 on Fingerhut and about 500 on credit card as of today I usually pay them off monthly to help build my credit but it’s going down
Question
1 how do I go about finding out the original creditor
2 how can I have it update to show the actual time (years) of delinquent

Re: Re-aging

recoveringfrombk7 — Fri, 27 Dec 2019 03:20:56 GMT

Seems like a good place to start would be to get a copy of your credit reports from annualcreditreport.com so you can get more information.

Re: Re-aging

Anonymous — Fri, 27 Dec 2019 10:03:36 GMT

I did that’s where I get the info I provide above

Re: Re-aging

FireMedic1 — Fri, 27 Dec 2019 10:56:49 GMT

What account was resold. Your file as a whole isnt sold. Is it a collections that was updated after being sold to another collection agency? Welcome to the forums.

Re: Re-aging

Anonymous — Fri, 27 Dec 2019 17:31:32 GMT

correct the collection was update after being sold to another collection agency

also the last time i pull my credit was about my 6 month ago if i get another copy of my credit report from annualcreditrepot what effect will it have on my credit

Re: Re-aging

gdale6 — Fri, 27 Dec 2019 17:56:56 GMT

@Anonymous wrote:
correct the collection was update after being sold to another collection agency

also the last time i pull my credit was about my 6 month ago if i get another copy of my credit report from annualcreditrepot what effect will it have on my credit

Well it would have 0 effect as all requests for your own file do not count against you. However if you got your reports 6 months ago you will not be able to again so soon as its only 1 per year for free.

Re: Re-aging

Anonymous — Fri, 27 Dec 2019 19:32:10 GMT

Well it would have 0 effect as all requests for your own file do not count against you. However if you got your reports 6 months ago you will not be able to again so soon as its only 1 per year for free.

thanks ill purchase if i have to

how do i request the original credit file

Re: Re-aging

gdale6 — Sat, 28 Dec 2019 00:07:28 GMT

You can go to each credit bureau and request a copy of your file and after paying the fee it will be displayed to you or you could sign up for a credit monitoring service and get access that way. Can also send in a request to each CRA with a check for the fee asking that the reports be sent to you by mail. I personally like mail reports if you need to see everything that is there.

Re: Re-aging

FireMedic1 — Sat, 28 Dec 2019 00:43:05 GMT

Who is the collection agency> It maybe one that will delete it from your reports if settled or PIF.

Re: Re-aging

Anonymous — Sun, 29 Dec 2019 19:28:05 GMT

Thanks everyone I found my original paperwork and got my file fix
Have one more request will start new topic