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gowilla
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Subject: how to add positive info to my credit report
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Thu Mar 26, 2009 2:07 am
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I recently disputed items on my credit report, in doing so all info has been deleted, so now I'm showing a credit score of 0, how do I get my positive info back on my credit report?
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Thu Mar 26, 2009 6:09 am
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Since FICO score ranges between 300 to 850, if you get any score below 300, it will automatically show as zero on your credit report by default. Information deleted from your credit report can never be recovered and so you need to restart building credit again. For this you need to use your credit cards regularly and repay back within due date to build up a credit history. You should never be late with your payments and do not become delinquent on your cards.
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Thu Mar 26, 2009 10:39 am
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You can send a certified mail to the credit bureaus and ask them to report back your positive history and other information. But I don't think that it will be possible for them to get back all your information if it has been deleted from their database. You need to start rebuilding your credit history again in order to build up a good credit score.
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Justin |
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cpachak
Joined: 27 Mar 2009
cpachak's page
Posts: 1
40 Magic Points
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Fri Mar 27, 2009 4:22 am
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| I recently checked my credit report. My score is only 541. I have a few collections that I have paid do these affect my score at all since I have paid them. What would you suggest about charge offed credit cards is it better to call them and try to pay them or hire someone to try and remove them ? Do you think my credit score will change to the good if I pay these off?? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Fri Mar 27, 2009 5:49 am
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Hi Cpachak
Paying off a debt already reported as delinquent in your credit report does not improve your credit score. It only saves you from getting sued to the court by the creditor and getting a judgment against you. Now to improve your credit score you need to improve your credit history and for that you need to swipe your existing credit cards while making any payments with it and pay back the debt within the interest free due date or at least pay the "minimum amount" within the due date.
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Carol |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 446
10878 Magic Points
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Fri Mar 27, 2009 6:08 am
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If an account is charged off, it does not mean that you are not required pay off the debt. Even after the account is charged off, the creditor can sue you to the court and bring judgment against you either to garnish your wages or your bank account. However, your credit score will not change even if you pay off the charged off account because charge off listing shows in your credit report for seven years and affect your credit score.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Mon Mar 30, 2009 10:51 am
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| You would think the CB's would be smart enough ( lack of a better word) NOT to remove your 'positive' credit. Maybe the OP wasn't specific on WHAT she was Disputing...is this possible ( just a thought here.)? Also....keeping up with payments with loans, etc. will raise your score, as well. |
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big questions
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Subject: been deleted from files?
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Sat Oct 31, 2009 4:17 pm
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| if my credit report came back telling me something has been deleted from files what does this mean? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Sat Oct 31, 2009 9:34 pm
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| That means that they took something off of your credit report, did you file a dispute on a debt that was showing up? I don't think that they contact you if something falls off due to the allotted time frame of seven years, at least I have never been contacted about that. I would think that it was something you disputed. |
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Rob Z
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Subject: add positive to credit score
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Fri Jan 22, 2010 3:30 am
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| we borrowed money froma private party to build a house, now we are done and paid off. We have proof of the entire transaction through a escrow company. Is there a way to get this reported on our credit report? |
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Lisa Tennison
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Subject: Credit Score Dropped
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Sat Feb 20, 2010 1:50 am
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| My Fico score drop from a 607 to 579 after i disputed 5 collection accounts. Why? |
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lwa
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Subject: credit report
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Fri Jun 25, 2010 9:05 pm
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| I previously file bankruptcy in 2007 and was discharged but alot of the things on my credit report are still reporting deg. I now have 16 items deleted off with 1 postive account. Do you think my credit score has improved |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Sun Jun 27, 2010 5:08 pm
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| the only way you can make sure that your Credit score hs improved is to 'order' your credit score VIA the Internet. I know you can get your Credit Report free (once a year) by going to annualcreditreport (dot) com. However....you DO have to pay for your credit score. AnnualCreditReport (dot) com doesn't have the Credit scores attached to the Credot reports. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Sun Jun 27, 2010 5:11 pm
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| ,,,,also, I want to ask,..if you filed BK, did you 'discharge' all of your debts? If you did, you shouldn't have anything 'negative' on your CR. However...things like Student loans (etc) can't be 'discharged' in a BK. can you please let 'us' know what is still negative on your CR? |
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vfsalinas05
Joined: 24 Jun 2010
vfsalinas05's page
Posts: 61
996 Magic Points
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Subject: credit score drop
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Thu Jul 01, 2010 2:57 am
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| I have heard of credit scores dropping while disputing with the credit bureaus but I think I recall that they bounce back up if it is successful, I wish I had more info on that but thats all I have read on this website. I think someone mentioned that their score dropped about 50 points while they disputed but that it went back up after it was removed..hopefully yours will bounce back up after your dispute is successfull...good luck! |
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