???How Much Will This Help???

[Stingray427]

I was wondering how much the following will help boost my Fico score with TransUnion:

I currently have 646 with TU and am showing a 47,000 past due balance on my report.

However, these amounts should be $0 due to a Chapter 7 that was discharged 4 years ago.

Will it help my score to have these updated to zero balance or should I leave it alone?

Thank you.

[Stingray427]

Will someone please answer?

[Anonymous]

I don't think a 0 balance matters...from what I read in the forums. Either way its a negative on your CR. Not sure what else you are doing to up your score but short of the 10year mark for the BK to fall off and then again I just read a post that only boosted someones score by like 20 points after the BK fell off. Hope someone else chimes in, hope I helped some

[Anonymous]

Yes- the past due balance is hurting you-

Be very carefull and exact when disputing the balances/past due amounts.

[Stingray427]

Timothy could you be more specific? I am new to this process.

Thank you.

Message Edited by Stingray427 on 10-08-2008 05:09 PM

Message Edited by Stingray427 on 10-08-2008 05:09 PM