Credit Report Problems Consumers
2010
How long does a scar on my credit report stay ?
I had been a bad credit manager when I was studying now it is 7 years over and experian , transunion etc mention that a -ve report would stick around for 7 years . Its time for these -ve reports too go off my credit history because since than my credit history has been good.
<> What do I do to flush these off or do they get erased manually ( assuming that the credit evaluators are fair people , who work in the interest of the consumer – which is totally false )
..any idea what I should be doing..?
<> Also I have occasional , late payments past 30 days and then I again bring them back to speed.
<> Is this too much of a problem.
What else can I do to up my score to at least 700 ( now I am 651 – my 3 bureau score )
Thx
Arnie
Derogatory items age off your credit report 7-1/2 years from the date of first deficiency, not last activity. This is per the FCRA. The items should automatically be removed, however, if not, send the credit bureau a dispute indicating the item is beyond the reporting period.
You won’t see a big increase in your score when these old items are removed. The older an item, the less impact on your score. By the time something hits the 7 year point, it has very little impact on your score.
Late payments are negatives and will decrease your score. If you want to improve your score you must pay everything on time. You need at least 24 months of consistent, on time payment history to see any improvement in your score.
You mentioned “3 bureau score”. That sounds like a score from a credit monitoring service. That is probably a Fakko score, definitely not a FICO score. Creditors use FICO. Don’t waste money paying for a score that isn’t FICO. You can buy FICO scores for TransUnion and Equifax at MyFico.com. Consumers can’t buy FICO scores for Experian any more.
CreditKarma.com and Quizzle.com both offer free score estimators. They are not FICO, but good enough if you are just curious about your score. Probably more accurate than any third party monitoring service.
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