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HomeCredit ForumImprove your credit score

how do i get my credit score?

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fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Thu Aug 21, 2008 9:24 pm  
It does show as a sold debt on my experian but not on the tranunion one. I relize that they can both report and just wondered why it wasn't listed on that ;atest check.
 
erb1953



Joined: 31 Dec 2007
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Posts: 631



8 Magic Points
 
 Posted on Sun Aug 24, 2008 2:29 am  
should be
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sun Aug 24, 2008 3:03 am  
If it is not there fireyone that is good stuff right, shouldn't it be falling off about this time anyway? or is this one that was sticking around for a while? what date was it supposed to fall off?
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Sun Aug 24, 2008 2:45 pm  
The fall off date from my first report listed 7/2010. This new one lists 9/2010. I was just worried about the SOL. According to the SOL I am protected regardless of whether it is 30 dys since last payment or 180. As of may 180 days since last payment. BUT if they moved the fall off date did they change my payment history. I still have the first report with the OC on there so that is good. One of my two biggest ones (cap one) falls off Sept of this year. In oct. I will use my last check and compare all three. The reson for my concern is I recently see alot of shady business on here about Midland and that is who has this LAst debt.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Sun Aug 24, 2008 5:29 pm  
okay, I think that it is from the date of last activity, I have never heard of the 30, 60 or 180 days after, I have always heard the day of the last activity.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Mon Aug 25, 2008 11:29 am  
I was confused to see all the different times that a collection account falls off your report too, I always thought it was the date of last activity also.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Mon Aug 25, 2008 12:38 pm  
Then I am in the good. Thats a miracle.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Tue Aug 26, 2008 12:34 am  
Yeah me too erb, I have never heard of all these dates either.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Tue Aug 26, 2008 12:50 am  
Thats what I was hoping. I hear some of these collectors like to paly the change of date game.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Tue Aug 26, 2008 2:13 am  
I hear you, I wish someone who worked or works for one of these credit reporting agencies would come on here. I have a few questions I would like to post out there for them to answer.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2847



1688 Magic Points
 
 Posted on Tue Aug 26, 2008 6:56 pm  
I am sure many of us do. Funn y thing happened today. the guy who came out to replace the window in my dodge started talking about his son (he's like mine) and past marriage. Somehow we got on the subject of creditors and he was telling me how many were harassing him over hos past wifes credit card problem. He and his new wife changes their number to her deceased Dads name to finally get it to quit.
I asked him if he went through the validation process and cease and desist..all the good stuff. He said he did and nothing would make them go away. He said they now have the new changed number and call causing him and his wife problems.
I told him of his rights and where to report them. I just think it is so wild to think of how many people actually deal with debt and debt problems on a regular basis. I bet if we couldtake a poll 75% of American people are living under the stress of the debt world and probaly 50% of those have collection problems. Small world huh?
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Mon Sep 01, 2008 2:03 pm  
Well the important thing to remember is that we all have debt and we all have that in common but it is not something that comes up in normal conversation, I am not sure that alot of people would come right out and say, collectors are calling me.

With the price of gas and everything else, I am sure that it will be happening more and more.

I guess it is good if you can get people to start talking about it, the government won't do anything if they are unaware, see how the mortgage industry has gotten alot of governement attention. The credit card companies need to be regulated a little more closely also.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
1002543



Joined: 31 Aug 2008
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Posts: 84



90 Magic Points
 
 Posted on Mon Sep 01, 2008 9:02 pm  
The key word is education. I was really suprised how little people know about credit, whn moved to the States.[/code]
 
fireyone



Joined: 26 Feb 2008
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Posts: 2847



1688 Magic Points
 
 Posted on Tue Sep 02, 2008 1:10 am  
Educaton is out there and more and more people are becoming quite associated with the laws surrounding credit. A reform has been needed in the credit world for a while now. Hopefully they will start this soon.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3133



5260 Magic Points
 
 Posted on Wed Sep 03, 2008 2:24 am  
in the mean time people can educate themselves through forums like yhis and other web resources, these forums have been wonderful source of information for me. It has helped me through some really tough times.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
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