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Credit scores

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robert D
Guest






Subject: Credit scores
 
Posted on Wed Oct 01, 2008 5:45 pm  

I had some negitive information removed on my credit report,old medical bill that had went to collection and then were paid.My credit score dropped 37 points,shouldn't it have went up ?
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 324



8704 Magic Points

 
Posted on Thu Oct 02, 2008 2:07 pm  

Credit score may drop down due to several reasons. It may be that you have a credit card on which you have already spend over 30% of your credit limit as a result of which the amount owed factor which contributes 30% in your credit score will be affected. Moreover, if you have applied for a new line of credit, a hard inquiry is conducted in your credit report which gets reflected in your credit report and may lower your credit score.
_________________
Where there's a will, there's a way !!
 
1002543



Joined: 31 Aug 2008
1002543's page
Posts: 84



96 Magic Points

 
Posted on Thu Oct 02, 2008 11:26 pm  

Sometimes, when negative info falls off of your report your score drops. It happens because you move from one category (bucket) of consumers to another. In this case, your score is supposed to recover pretty fast.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2868



2158 Magic Points

 
Posted on Fri Oct 03, 2008 1:09 am  

Okay I never heard of this but I am unfamiliar with all the credit world stuff. How long does a score take to recover once you are moved to another catergory? It kind of seems backwards doing it this way but I am sure there is a reason.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2868



2158 Magic Points

 
Posted on Sun Oct 05, 2008 12:37 am  

I imagine you want another sire because non of this gibberish belongs here at the credit forum.
 
TopShopOEM



Joined: 10 Oct 2008
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Posts: 1



50 Magic Points

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