| Author |
Message |
|
Options 
Bookmark online
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
Subject: deleted items from my report but no improvement in my score?
|
|
|
Thu Feb 19, 2009 3:39 am
|
|
|
I just had 3 items deleted from my credit report. I was just notified today that they were deleted. I checked to see if this had improved my credit score..unfortunately it didn't change, not even a point. But the accounts were deleted.
Does it take some time to change the score after deleting or will this really do nothing to improve my score? |
|
|
goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
|
|
|
|
|
Thu Feb 19, 2009 4:13 am
|
|
|
The best thing for you to do is to visit each of the credit reporting agencies website, pull the customer service number and give them a call. I recently had to make a call to transunion, was very surprised on their willingness to help me, filed a dispute by phone and actually won, it got deleted. You should be able to get the information that you seek from a live person if you pull those phone numbers and call. Goodluck, hope all works out, keep us updated.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa |
|
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
|
|
|
Thu Feb 19, 2009 4:20 am
|
|
|
Experian did the deleting. I received the notice that they were deleting these 3 items.
Of course I have to deal with the other 2 still but they all have their own scores.
My Experian score did not change. Will it? |
|
|
scott
Joined: 28 Jun 2006
scott's page
Posts: 446
10878 Magic Points
|
|
|
|
|
Thu Feb 19, 2009 9:09 am
|
|
|
Yes, after the negative item gets removed from your credit report, your credit score will definitely improve. It may take some time to get your credit score updated, probably a month or so. In the meanwhile if the negative item gets removed from the other two reports, your FICO score for all the three bureaus will improve.
_________________
SCOTT
Use your credit account responsibly and enjoy a debt free life. |
|
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
|
|
|
Thu Feb 19, 2009 11:43 am
|
|
|
Thanks Scott.
That makes me feel better 
I'll definitely be notifying the other 2. |
|
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
|
|
|
Sat Feb 28, 2009 4:06 pm
|
|
|
I've never had a credit card.
The majority of my debts have been unpaid medical bills.
On one hand it's good I don't have to worry about a credit card but then again it would help to build my credit I would think. I'm unable to get one at this point though. The only cards I can get are the ones you have to pay for. Those don't make sense to me so I won't be going that route.
I have one solid account. That's my car payment. I have never been late in almost 3 years. My mom had to cosign and I'm glad she did. Otherwise I wouldn't have anything to show. |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
|
|
|
|
|
Sat Feb 28, 2009 4:14 pm
|
|
|
| Jes, if these medical bills are fairly older sometimes you can call the hospitol and Docs office and they will be willing to settle for alot less just to get their money. If they are not too old there also is the option some hospitols have that actually use government programs to pay for the bills. Around here we have hillibuton at one hospitol and I care at another. Bith will help you fill out the necessary paperwork to apply to have these bills paid. Theya re income depending but most guidelines are fairly reasonable and will pay. Would this be an option for you? |
|
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
|
|
|
Sat Feb 28, 2009 4:20 pm
|
|
|
I'm not sure. They have already been turned over to collection agencies.
I did deal with one of them recently and was able to pay them off and have some deleted.
The others are a different company. I don't know how that would work. |
|
|
fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
|
|
|
|
|
Sat Feb 28, 2009 4:50 pm
|
|
|
| Are you making suer that these debts are being validated beofre paying them? I am not trying to get you a free ride but if they can not validate then you do not have to pay them and then once you dispute with the credit bureaus with the proof they will remove them from your report. I would alos look at the dates of the debts and either inquire about a hospitol program or call the hosptiol directly and try settling up repayment arrangements. Good Luck. |
|
|
JesMLT
Joined: 14 Feb 2009
JesMLT's page
Posts: 16
658 Magic Points
|
|
|
|
|
Sat Feb 28, 2009 5:17 pm
|
|
|
The ones that I just paid and had deleted I did not have validated. At that time I did not know there was such a thing.
I've been looking over examples of validation letters and plan to do that with the remaining debts on my reports. |
|
|
Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
|
|
|
|
|
Mon Mar 02, 2009 9:09 am
|
|
|
Debt validation is generally done to be sure whether the CA that claims the debt actually owns it. You should always ask for debt validation before you make any payment towards the debt and that too by certified mail. You can find sample debt validation letter if you visit the link letters of credit.
_________________
All the Best
Justin |
|
|
