I have several accounts that have been long paid off, but are still listed in my FICO score report and credit reports. Two were supposed to have reach their SOL in May and June of this year and a bunch of student loan records (I consolidated and the records state "Transferred or Sold") should have disappeared years ago. What do I do? Do I contact the credit report companies and FICO or the creditors? Is there any risk to this? Sorry if this is elsewhere, but too much came up in the search to find an answer.
Starting Score: 464 October 2012OOO, I just read another thread. So need to adjust question: The original question still remains for the old Sallie Mae listing, as they are way past 7.5 years. BUT...the credit cards are just a bit past 6 years (May and June 2013 will make 7 years). Can I send a GW letter asking for an early removal?
Yes, you can GW the ones that are paid to try to get them off early. As far as the student loans go, how are they reporting?
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.