FICO REPORTS - NEED ADVICE!!!!

[celeste45]

I pulled by credit score from FICO score for equifax, 551 not too good. I have about 6 collect accts and one public record. (dismissed chpt 13 from 2000) how can I get this removed. myFICO report doesn't have any of this information. How often is myfico reports updated?

[Junejer]

Hi Celeste, how old are the collections? Was the BK13 dismissed in 2000 or filed in 2000?

[celeste45]

thanks byrdman

my collection accts

auto loan (repo) 10/2001 14,000 (wrong amount) DV'd with no luck (should I wait for this acct to drop off)

1 cc - 2004 bal $386

at&t - 2004 ,$1900

sprint 2006 $812

3afni accts (verizon) 1acct- 2001($384) 2accts- 2002 ($135 & 496) (should I PFD)

bankruptcy filed 8/2000; dismissed 1/2001

[Junejer]

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@celeste45 wrote:

thanks byrdman

my collection accts

auto loan (repo) 10/2001 14,000 (wrong amount) DV'd with no luck (should I wait for this acct to drop off)

1 cc - 2004 bal $386

at&t - 2004 ,$1900

sprint 2006 $812

3afni accts (verizon) 1acct- 2001($384) 2accts- 2002 ($135 & 496) (should I PFD)

bankruptcy filed 8/2000; dismissed 1/2001

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Okay, lets start with the dismissed BK. A dismissed bk will stay on the report for 10 years. If the bk 13 were discharged, it would be gone already. You can petition the courts to have it removed, but they are under no obligation to do so.

Auto repo--If I were in your shoes, I would just let this one roll off. After living with it for 6-1/2 years, you have taken the worst of it already.

What is your state's SOL and DOFD/DOLA for these collections? If outside of SOL, DV the CAs asap. If near SOL, "leave 'em lone" (as my DD used to say). If able to validate, you can go for PFD. Make sure you use a good strong DV letter though.