I've been spending tons of time the past 2 years cleaning up my credit from my younger dumber days, as I realized that I actually may need credit now that i'm a "grown man" (More or less). I've in that time taken my credit score from a 560-570ish to a 710-720ish. Now, in the state of OK, the Statute of limitations in 7 years, and according to the FCRA the amount of time it takes for a delinquency to drop off of a credit report is 7 years. At least to the Best of my knowledge.
The thing that is nagging me right now is that I have a debt (Car Repo, bad circumstances, bad choices, and bad dealership) that was posted as bad on my credit October of 2007. It is now off of my Experian report as of November '14, but not my other two. How do I go about getting it removed from the other two? It should be gone right?
If a perfectly formatted letter to the credit bureaus is the only route, does anyone know the best place to find examples and templates for formatting? I cant find much online that isn't a little ripoff company that just wants your money so they can "fix" you credit.
I wanna get this done so I can start house shopping.
The thing that is nagging me right now is that I have a debt (Car Repo, bad circumstances, bad choices, and bad dealership) that was posted as bad on my credit October of 2007. It is now off of my Experian report as of November '14, but not my other two. How do I go about getting it removed from the other two? It should be gone right?
If a perfectly formatted letter to the credit bureaus is the only route, does anyone know the best place to find examples and templates for formatting? I cant find much online that isn't a little ripoff company that just wants your money so they can "fix" you credit.
I wanna get this done so I can start house shopping.