Want to start fixing erroneous credit...don't know where to start..
I recieved some FICO software as a gift a couple of years ago and was able to check my scores on all three agencies one time only. My scores were bad (around 520), mostly from 3 credit cards and a phone I got at age 18-19 and then didn't pay the bills for months. I was under the impression that these fall off your record after 7 years + 180 days so now at 27 I checked some free credit report offer but most of the credit card accounts are still listed. The date of first deliquency is now listed at 2002 -2004 even though I'm sure I started to ignore those bills in 1999-2000. I'm not sure if I still have any of the original bills or anything that would prove when I first when deliquent so I'm not sure what to do. I was so excited for them to fall of my report. I also want to start monitoring my reports and scores while I try to get these things cleaned up but I'm not sure whats the best way to do that in my situation. Any suggestions?
Re: Want to start fixing erroneous credit...don't know where to start..
The best place to monitor your reports are....TrueCredit...you need you full reports...to see what is the DOFD...but it you have nothing to compare it to...to prove they are re-aging...did you get all your reports for free yet...
Re: Want to start fixing erroneous credit...don't know where to start..
I did get all of my reports for free recently, thats when I discovered the old cc acounts that should have fallen off are still there now with more recent dates..
Re: Want to start fixing erroneous credit...don't know where to start..
I personally like myfico products there more accurate as far as scores what lenders use and once you purchase here they will help you write a dispute letter I used that one and went from a 542 to a 682 so No complaints here! and as far as your credit report those items are over 7yrs old if it was in 2001-2002 they must remove them liens stay on 10yrs if unpaid other than that u can dispute about 4 items at a time to each CRA and walla you will have a new CR. then get new credit
