Forums
New posts
Search forums
What's new
New posts
New media
New media comments
Latest activity
Classifieds
Media
New media
New comments
Search media
Log in
Register
What's New?
Search
Search
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Navigation
Install the app
Install
More Options
Advertise with us
Contact Us
Close Menu
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Forums
The Water Cooler
General Discussion
Any credit gurus here?
Search titles only
By:
Reply to Thread
This site may earn a commission from merchant affiliate links, including eBay, Amazon, and others.
Message
<blockquote data-quote="HoLeChit" data-source="post: 2712395" data-attributes="member: 35036"><p>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. </p><p></p><p>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? </p><p></p><p>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.</p><p></p><p>I wanna get this done so I can start house shopping.</p></blockquote><p></p>
[QUOTE="HoLeChit, post: 2712395, member: 35036"] 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. [/QUOTE]
Insert Quotes…
Verification
Post Reply
Forums
The Water Cooler
General Discussion
Any credit gurus here?
Search titles only
By:
Top
Bottom