Simple question concerning derogs

[GFer]

I would definitely pay for it! LOL

Sometimes I waste my money just to see the effects of something minor....ate up, I tell ya!

[Anonymous]

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@marty56 wrote:

On seeing what you score would look like as your majuor derogs age or even fall off, would anyone here pay for a FICO score here that would allow you to remove or age your derogs.  Fantasy FICO if you will.

I doubt they would do that since tht may allow people to reverse engineer their scoreing system but it would be kinda nice.

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So what you are saying is give us the option to pay to see what our credit score would look like in 5-7yrs once all the bad stuff fell off assuming we continued to keep doing the good stuff we were doing right now?????

I would pay $5 to see that! That would be great motivation!

But if you are saying could we pay to have negative stuff removed early? I WISH! I would definitely pay a couple of hundred dollars so that I could go ahead and buy a house now vs later and save thousands on my interest and be able to stop making my land lord rich with my rent payments.....

Unfortunately that scenario is just morally wrong

[marty56]

Pay to see what would happen.  I'm not a fan of paying for credit repair since it defeats the entire concept of FICO being fair.  The way I got my 120 day late was not fair but the fact that it hurts my score is fair.