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No improvement in my credit score after deleting items.

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JesMLT



Joined: 14 Feb 2009
JesMLT's page
Posts: 16



692 Magic Points

Subject: No improvement in my credit score after deleting items.
 
Posted on 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 check my credit score today to see if this has 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
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Posts: 3931



512 Magic Points

Subject: how to check credit score free
 
Posted on Thu Feb 19, 2009 4:13 am  

The best thing for you to check your credit score report and visit each of the credit reporting agencies website, pull the customer service number and give them a call. Always try to check 3 credit score from the 3 credit bureaus. 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.
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JesMLT



Joined: 14 Feb 2009
JesMLT's page
Posts: 16



692 Magic Points

Subject: fixing credit score
 
Posted on 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? Do you know how to fix credit score?
scott

scott

Joined: 28 Jun 2006
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Posts: 446



10890 Magic Points

Subject: how to improve your credit score
 
Posted on 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. That's why keep checking your credit rating score always. 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



692 Magic Points

 
Posted on Thu Feb 19, 2009 11:43 am  

Thanks Scott.
That makes me feel better Smile

I'll definitely be notifying the other 2 and from now on words I'll always go through my annual credit report to get my credit score.
JesMLT



Joined: 14 Feb 2009
JesMLT's page
Posts: 16



692 Magic Points

 
Posted on 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
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Posts: 4246



128 Magic Points

 
Posted on 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



692 Magic Points

 
Posted on 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: 4246



128 Magic Points

Subject: Checking annual credit report & 3 credit scores
 
Posted on 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. So it's better to aware about your 3 credit scores and for this you will have to check your annual credit 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



692 Magic Points

 
Posted on 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

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on 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.
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Justin
j beanredkin
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Subject: credit
 
Posted on Sun Mar 24, 2013 12:08 am  

what helped me was to dispute any and all old items, most were deleted such as medical bills, anything that was left, i called the creditors and only agreed to pay if items were deleted upon payment! and it all worked out! good luck!
matzcrorkz
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