Hello !!
I just checked my credit report and my score just went down significantly....I have been desperately trying to improve my score from bad credit when I was younger!
My score improved to over 700 and now is back in the 600's ....
605 - with Transunion
651 - Equifax
I bought a car in my name only (without husband) and my score actually took a 50+ negative point hit....
Transunion just put an old account on my report from 1996....
I disputed with them and they said this account can stay on my report 7 years from the first date of delinquency ...which was Fall of 1996...this is easily outside the statute of limitations for this to be on my report...however, the bank update it as closed 2010....I have actually not received anything from this bank since the 90's ....I had actually wondered why they never "found" me to collect this....however, what should I do now???
Status as of [?] Date opened [?] Date of last activity [?] Date paid out [?] Date closed [?] Account number [?] Loan type [?] Credit limit [?] Largest past balance [?] Terms [?] Account Type [?] Account holder [?] Scheduled payment amount [?]
| Feb, 2010 |
| Sep, 1996 |
| Jul, 1998 |
| Not Reported |
| Feb, 2010 |
| XXXXXXXX6096 |
| Automobile |
| Not Reported |
| $18,382 |
| 52 Monthly |
| Installment Account |
| Individual Account |
| $446 |
