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Dragging score down?

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Anonymous
Not applicable

Dragging score down?

I have an WFNNB card that was sold to another company a while ago. The original account (with some baddies paid in full) is still on my CRs. Will the CRA remove this original card?

 

Also, my student loans have been sold several times, is it possible to get the old accounts removed from my CRs? I know student loans can be tough.

 

 

Thanks in advance!! Smiley Very Happy

Message 1 of 5
4 REPLIES 4
Shogun
Moderator Emeritus

Re: Dragging score down?

So the WFNNB card is paid off?  Is it closed?  Was it a charge off?  Are your student loans paid off?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 5
Anonymous
Not applicable

Re: Dragging score down?

The WFNNB has long since been paid off without charge off but still open and active. The student loans I am still paying on, but just consolidated.

Message 3 of 5
Shogun
Moderator Emeritus

Re: Dragging score down?

If the account was sold and still open and active to a new company then I don't believe they will delete it.  They should just carry over the same information onto their system.

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Anonymous
Not applicable

Re: Dragging score down?

Dang! I know on Equifax it is reporting 3 times! I think I can get that fixed. Thanks for the info!

Message 5 of 5
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