Few more questions

Anonymous · ‎04-19-2008

Well i have been using true credit while doing some credit clean up. I have sent disputes out on a few things. I know these are FAKO scores and i only use it to see what is on the report and what is not. So i was looking at the true credit report and had a few questions

1.) On my EQ report it shows a car loan that has been paid off for a while as "Open" and my payments way high

2.) I had (3) 30 day lates come off and a 60 come off all reports. Will the score jump happen all at once or will it happen over time? I saw a jump off 13 points on EQ and about 20 on EX and nothing on TU yet. I know the points will not be the same on my real reports. But does it happen all at once or over time?

3.) My utli is killing me.If i pay the credit cards off in full which i can. Will the jump happen all at once or will it be slow?

Thanks guys, The only other thing hurting me is this Sallie Mae that i can not seem to get off that is a 90 day late then paid in full. I have sent GW after GW and still nothing. NE body has any hints or tips please let me know.

Message Edited by Macchamps75 on 04-19-2008 08:48 PM

Anonymous · ‎04-19-2008

Macchamps75 wrote:
Well i have been using true credit while doing some credit clean up. I have sent disputes out on a few things. I know these are FAKO scores and i only use it to see what is on the report and what is not. So i was looking at the true credit report and had a few questions

1.) On my EQ report it shows a car loan that has been paid off for a while as "Open" and my payments way high

If this is a good account, be careful of disputing as it could end up getting the whole TL deleted and you don't want that. Call the OC and see if they can report it as paid with a $0 balance. Tell them you DO NOT want it removed.

2.) I had (3) 30 day lates come off and a 60 come off all reports. Will the score jump happen all at once or will it happen over time? I saw a jump off 13 points on EQ and about 20 on EX and nothing on TU yet. I know the points will not be the same on my real reports. But does it happen all at once or over time?

When the CRA updates, your score updates. It happens at once. Your score is based on a picture of your credit report. So whatever is on your report when the score is generated is what the score is based on.

3.) My utli is killing me.If i pay the credit cards off in full which i can. Will the jump happen all at once or will it be slow?

As soon as the CCC updates the new balance and the CRA updates your reports you will see the score change.

Thanks guys, The only other thing hurting me is this Sallie Mae that i can not seem to get off that is a 90 day late then paid in full. I have sent GW after GW and still nothing. NE body has any hints or tips please let me know.

Message Edited by Macchamps75 on 04-19-2008 08:48 PM

Anonymous · ‎04-20-2008

sounds great. i will call the OC and see ifi can get them to mark it as paid.