Author Topic: credit score (Read 842443 times)

Triple Canopy · « **Reply #3060 on:** August 24, 2016, 09:57:28 PM »

Quote from: Hamavin on August 24, 2016, 07:05:53 PM

Its not allowed to report 7 years later even if they gave to agency 8 years later and agency reports cuz they just got it?

A debt is not allowed on your credit report after 7 years from the DOFD of the original creditor, irregardless of when/how many times the debt is sold. DOFD = Date of First Delinquency. For example, you don't pay your final electric bill in January 2010, that's your DOFD. That debt is not allowed to be on your credit report after 7 years from January 2010. Another example, December 2011 you are 30 days late. January 2012 you are 60 days late. And eventually it is charged off. Your DOFD is December 2011. If the debt was resold, that does not restart the clock.

Hamavin · « **Reply #3061 on:** August 25, 2016, 12:36:22 AM »

Quote from: Triple Canopy on August 24, 2016, 09:57:28 PM

A debt is not allowed on your credit report after 7 years from the DOFD of the original creditor, irregardless of when/how many times the debt is sold. DOFD = Date of First Delinquency. For example, you don't pay your final electric bill in January 2010, that's your DOFD. That debt is not allowed to be on your credit report after 7 years from January 2010. Another example, December 2011 you are 30 days late. January 2012 you are 60 days late. And eventually it is charged off. Your DOFD is December 2011. If the debt was resold, that does not restart the clock.

K thanks! So who do I reach out to? All 3 credit reports (equifax transunion and other one)Or is there a way to knock off all at once? Or should I just try to get collections to remove?

Triple Canopy · « **Reply #3062 on:** August 25, 2016, 12:54:31 AM »

Quote from: Hamavin on August 25, 2016, 12:36:22 AM

K thanks! So who do I reach out to? All 3 credit reports (equifax transunion and other one)Or is there a way to knock off all at once? Or should I just try to get collections to remove?

Option 1: Mail/Fax letter to the collection agency stating it's past the 7 years since DOFD allowed by law and to promptly remove. Then wait 30 days and see if they do it.
Option 2: Mail/Fax dispute letters to each bureau stating the same.

Best bet is to get the furnisher of the information to remove because then you only have to deal with one entity.

Hamavin · « **Reply #3063 on:** August 25, 2016, 09:46:24 AM »

K tx...Can you call them?

Triple Canopy · « **Reply #3064 on:** August 25, 2016, 09:49:42 AM »

Quote from: Hamavin on August 25, 2016, 09:46:24 AM

K tx...Can you call them?

do it in writing.

Hamavin · « **Reply #3065 on:** August 25, 2016, 09:55:20 AM »

Quote from: Triple Canopy on August 25, 2016, 09:49:42 AM

do it in writing.

k thanks...But why writing over calling?

Triple Canopy · « **Reply #3066 on:** August 25, 2016, 10:03:45 AM »

Quote from: Hamavin on August 25, 2016, 09:55:20 AM

k thanks...But why writing over calling?

You need a paper trail. You aren't dealing with Amex, these guys are usually shady.

Hamavin · « **Reply #3067 on:** August 25, 2016, 10:06:46 AM »

Quote from: Triple Canopy on August 25, 2016, 10:03:45 AM

You need a paper trail. You aren't dealing with Amex, these guys are usually shady.

Email good? Should I threaten them or just ask?

Triple Canopy · « **Reply #3068 on:** August 25, 2016, 10:11:26 AM »

Quote from: Hamavin on August 25, 2016, 10:06:46 AM

Email good? Should I threaten them or just ask?

Snail mail or fax. Ask nicely first.

CreamofSoup · « **Reply #3069 on:** August 25, 2016, 02:21:08 PM »

2 Questions:

1) Does Quizzle still looks at EQ or are they TU now? My account says provided by TU.

2) The score from Quizzle is significantly different that the score on my Discover It statement - if they're both TU why wouldn't they be the same?

TIA

ya · « **Reply #3070 on:** August 25, 2016, 02:25:38 PM »

Quote from: CreamofSoup on August 25, 2016, 02:21:08 PM

2 Questions:

1) Does Quizzle still looks at EQ or are they TU now? My account says provided by TU.

2) The score from Quizzle is significantly different that the score on my Discover It statement - if they're both TU why wouldn't they be the same?

TIA

Is the 2nd question a joke?

CreamofSoup · « **Reply #3071 on:** August 25, 2016, 02:28:53 PM »

Quote from: ya on August 25, 2016, 02:25:38 PM

Is the 2nd question a joke?

No :/

ya · « **Reply #3072 on:** August 25, 2016, 02:29:28 PM »

Quote from: CreamofSoup on August 25, 2016, 02:28:53 PM

No :/

It was answered many times in this thread alone

CreamofSoup · « **Reply #3073 on:** August 25, 2016, 02:31:01 PM »

Maybe I didn't use good search term, but I did search.

Edit: would it be because Quizzle is FAC/KO?

ya · « **Reply #3074 on:** August 25, 2016, 02:31:51 PM »

Fako vs fico

Triple Canopy · « **Reply #3075 on:** August 25, 2016, 02:39:41 PM »

Quote from: CreamofSoup on August 25, 2016, 02:21:08 PM

1) Does Quizzle still looks at EQ or are they TU now? My account says provided by TU.

TU

ari2955 · « **Reply #3076 on:** August 25, 2016, 08:13:36 PM »

Anybody have a contact # for BofA credit bureau department ?

Basicly an AU is trying to get himself removed from an account, and get a letter that he is not responsable for this account.

Any tips?

noturbizniss · « **Reply #3077 on:** August 26, 2016, 09:23:52 AM »

Quote from: ari2955 on August 25, 2016, 08:13:36 PM

Anybody have a contact # for BofA credit bureau department ?

Basicly an AU is trying to get himself removed from an account, and get a letter that he is not responsable for this account.

Any tips?

why does he need a letter? As long as the card is on his CR as an AU he can get it removed based on that alone.

ari2955 · « **Reply #3078 on:** August 26, 2016, 10:49:05 AM »

That's what his mortgage broker told him to do.. Prbably to satisfy the mortgage bank.

noturbizniss · « **Reply #3079 on:** August 26, 2016, 10:55:21 AM »

Quote from: ari2955 on August 26, 2016, 10:49:05 AM

That's what his mortgage broker told him to do.. Prbably to satisfy the mortgage bank.

If it's simply to remove himself as an AU from the CR he doesn't ned the letter, just call.

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Author Topic: credit score (Read 842443 times)