@Anonymous wrote:Not that I think me going into detail necessarily assists with the question I asked.
Going into great detail is absolutely necessary when seeking credit-related help and advice. Every profile & situation differs, so knowing the details only helps streamline the advice offered to better suit your specific circumstance.
In this case - understanding why you chose to dispute the medical collections will avoid the "don't dipsute valid tradelines" conversation.
If it's an account that was closed in good standing then it can stay on your credit for 10 years. I have an old account from rent to own furniture. I had forgot about it until I saw it on my CR. It's my oldest account and it's a positive.
Goal Scores: 700 across all three
@Anonymous wrote:I guess I was under the assumption that people don't just dispute things to for illegitimate reasons?
Oh... haha... nope. Happens all the time -- and backfires 95% of the time.
@Anonymous wrote:
So, I do apologize and thank you for the advice.
No worries & you're welcome!
@Anonymous wrote:In regards to the loans, the one that is in good standing is the consolidated loan. The loans that are included in this loan are still on my CR as paid/closed. Do those effect the overall score?
So the individual loans - were they positive prior to consolidation or do they show some negative payment history?
All closed accounts affect your FICO scores. If they were never late prior to consolidation, then those are considered positive tradelines which are adding to your positive payment history, credit mix, and contributing to the age of your credit file.
@Anonymous wrote:I guess my initial question wasn't whether I should or shouldn't dispute, but what happened with the dispute as I have yet to receive a result email? I am interested in where these case from and I may be incorrect on them like if they were labeled as this, but reflect this. If that makes sense. But I understand the responses better now.
Yes - that was clear from your first post - but what wasn't clear is why you disputed them in the first place -- knowing that could help determine possible reasons for the tradeline disappearing on one of the bureaus without a dispute resolution. Has it been 30 days since you initiated the dispute? If not, then perhaps the dispute investigation is not yet complete.
In any event -- unfortunately, I/we can't answer your Q about why you have not received a results email, nor can I/we answer why the Transunion email link did not provide any dispute resolution information - could be a glitch? All we can do is guess so your best bet is to contact the bureaus directly by phone to find out the results.
@Anonymous wrote:
The original loans were in good standing and some were in forbearance as I was still in school.
Should I contact the original lender in this case to ask for them to be removed? Some of them were from 2009 so that's over 10 years.
NO. Leave the loans alone. Let them stay. It's ~10 years from the date they were closed, not the date they were originally opened -- and sometimes the purging system misses an account so it stays for longer than the 10 years. But they are helping you, not hurting in any way whatsoever -- is there a reason as to why you're so bent on having them removed?
Honestly, you should be grateful they exist and hope that they remain for as long as possible - removal could (likely would) cause your scores to drop -- dramatically. I could say definitively how your scores would respond to removal of those old loans if I knew more about what was on your credit report.