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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: 1308
28489 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
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Posts: 1093
25288 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
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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: 1308
28489 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
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Posts: 462
10934 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: 1334
1 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
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Posts: 3735
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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