True Credit score went dowing after paying bills

True Credit continues to show the same scores and the same trending analysis of my "credit available over time" and my "total debt over time" using the same time frame (Sept 06 to July 07). .... I had understood that trending (and credit scores) are recalculated almost daily to give a current reading.
In July 07, I found that my scores had dropped precipitously - probably because I had less than 50% line of credit available for a time. That was the only change on my report from an earlier much better analysis. When I read your advice and immediately paid on my cards, and decreased my credit use to less than 50% . I also received an increase in the lines of credit that I have. Although these should have affected my analysis, the reports seem stuck and still list the time frame as Sept 06 to July 07...
Would you let me know why this is and if there is anything I can do to get a more current analysis?
--------------------------
first i do not know your score before or after
i would think you do not have much credit or, like less than three plus rated lines of credit
and or some of the credit is local finance company high interest loans
and or you have some new or less than one year on reported to a bureau credit
and or one of your lines of credit of credit show your balance as your high credit limit.
and or some type of collection or charge off is on your credit
and or you have some inquiries that are new or piled up.

past that
i am of not much help
---------------------
I compare the report I have with scores of 701, 688, 695
and compare it to the next report with scores of 657, 672 and 681, and I don't see any change except that my available credit was less than 50% and became an issue last July.
That was paid down to at least 50% credit available on my lines of credit and an increase in my credit lines, too. I have no new late payments or charge offs/collections in the past 3 years.
My question is : Why does the trending analysis provided by Truecredit continue to show the same time frame of Sept 06 to July 07? Shouldn't these dates change over the course of 8 months? shouldn't the dates include dates in 2008? The time frame is frozen on the Sept 06 to July 07 dates, and my scores are frozen on the scores of July 07 too, despite much improved credit lines and available credit. Is it normal for scores to remain exactly the same for 8 months, despite certain changes? I just traded in my car and bought a new Prius, too, which does appear on the report...although I see it notes a credit report date of 7/30/07. I don't get it...Thank you so much for your help.
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i guess i would dispute anything not reported up to date
circle everything copies of your reports
say update my records
USE THE MAIL

Can a collections agency add themselves to your credit report?

Can a collections agency add themselves to your credit report? I've already got the original "charge off" from the creditor, but now I'm dealing with an upset collection agency who was upset my last check bounced. They're the ones who forced me and harrased me into writing post dated checks to begin with, they called my work and when I told them not to they laughed at me and told me that I couldn't tell them not to. Now that balance for the amount of the third check is on my credit report too, is this legal?
--------------------------------
the original charge should be marked as zero balance if it was sold to a collections agency you have verified the debt now that you have paid them monies
the collection agency CANNOT sue you as they are not the original creditor
I know they cannot harrass you or call your work over and over and laugh at you I would try to settle the account for much less than the full balance.
most collections are bought for pennies on the dollar. I would try to settle for 50% of less not including any fees or interest.
demand account validation Explain you will talk to them no longer if they do not properly validate the debt.
explain you fill like they are violating your rights and plan to contact your state attorney general if they insist on calling you at work after you have asked them not to
-------------------------------
I've paid 2/3 of the full amount of money the collection agency wanted. The last payment I made was in 2006 and I've changed jobs and gotten a new phone number so they haven't bothered me anymore. But they are still on my credit report. Should I contact them and offer to pay the remainder if they remove themselves from my credit report? Or will doing so only re open the whole 7 year cycle again? The first date of delinquency was 01/2005. I don't want to restart the cycle now that I've "lost them." Thanks so much for having a real website for real people.
-------------------------------
if you want them off your report for good
and you can pay and the account is honestly yours yes
call them and ask them to remove if you pay in full
call from some anonomous phone number one can always take the chance of "losing them"but one also takes the chance of the virus showing up later somewhere else some other way. I always like paying to be done
remember that after 2 years the account will not hurt your credit score
ifyou have good reported and rated lines of non maxed out credit

Equifax Credit Report

Hi Bo, I have been reading your site on what to do about poor credit, because we were trying to buy a house. I wanted to ask you a question about the scoring system that is in use by Equifax. Last year I purchased there Score Watch product because I wanted to keep track of what my score. In the past I had some collections that I was monitoring that had been reported on my credit report that caused a drop in my score 10-40 points. Here lated we had paid off one of our medical bills and had the collection agency to remove it from the report. The score never adjusted one way or another. We just recently had a $2600 paid judgement to drop off after 7 years. We noticed that my score went down 5 points afterwards. I just placed a huge amount of money our vehicle that left us with $7000 remaining on our automobile. That went down from&nb sp;$12460 from last month which was a 25% decrease in the overall amount of $21300 total balance. The score never budged. Is there something that is wrong with the scoring system at Equifax or is it something that I am doing. I have not been late on our vehicle for the last 4 years but have 3 credit card charged off for which one we paid off.
My score is currently at 587. I've been talking to Equifax since February, 08 about this. Everytime I have talked to someone there, they said that they were going to place a trouble ticket on the product. Only to find out the next time I talked with someone from Equifax they found no evidence of a ticket being submitted. I spoke with a gentleman on March 21 and someone else again this week. Only after speaking with the last person whom was a manager did they admit others were having an issue as well with there scoring system.
----------------------------
after 2 years old stuff falling off does not really help your score dropping from 12 on a 21,000 dollar loan to 7 does not drop you from 80% because you were not more than 80% 12/21 in the first place. getting BAD anything off your credit, reported from today, to 2 years back should help your score quite a bit. I would have to see all of your credit to have any idea how to help you. but i would assume the 3 credit cards are your big hurdle try to pay them off and, re open them, with some kind of high credit limit shows your balance owed is less than 80% of your high credit limit. as far as score problems at equifax. I do not know, other than to try another credit report product somewhere else.
------------------
Hi again, I have 0 balances on 2 of the cards and a $1800 balance on another. Go figure. I would have though that a 25% reduction in my overall balance on my car note would have moved the score up somewhat. I have had a lot of last dates of activity being moved around. I am aware that there is a federal law against that. So the new tactic is to put N/A in that spot.
------------------------
sounds good
----------------------
Hi I have one question for you. Why would my score drop 5 points when a 7 year old judgement just recently dropped off my credit report? I thought that it would have the opposite effect, maybe 5 points gained.
-----------------------
the past two years has all the weight7 years is so old it should not affect your score much at all i would assume that something within the past two years changed your score 5 points

bad debt doesnot hurt my credit score after 24 months or 2 years

Thank you for answering my questions so promptly. I have another question, if I may. I heard after a bad depth is 2 years old or older it no longer affect the credit score. Is this true? And if so, how fast and how much can your score rise? In a message dated 3/3/2008 10:58:43 A.M. Central Daylight Time, majors@oskie.com writes:i dont knowwhat is your credit report fico score at all three bureaus?what does it need to be?many times a home or car loan will require one to have all past due outstanding debts paid in full.
On 3/3/08, ------------------------- wrote: Will 2 year old bad dept affect your fico score, especially when you have good credit that's been paid on time and has existed over two years? Thank youCharlotte In a message dated 3/2/2008 8:37:20 P.M. Central Standard Time, majors@oskie.com writes:the original creditor is the only place to negotiatecollectors cannot sue or threat to sueand they can not put sold collections on your report in MOST cases valdiate these debtsand call file with your state attorney general is they do not compy which they can'tmost collections were sold for pennies on the dollar to help the first creditor.it is illegal for them to threat to sue and to put it on your credit report
On 3/2/08,-------------------------------wrote: I am wanting to clean up my credit in order to purchase a house. I especially don't want to have to pay a high interest rate. I have several delinquent credit cards on my record but it's all over 2 years. I have plans to pay all bad dept off in another year. But I read from your web site after 2 years even if the dept is paid, it wouldn't raise the fico score very much. In spite of the bad credit reported, I do have 2 current credit accounts that are excellent which are on my recent file. My question is ... would I do better by leaving the 2 year old bad dept unpaid? I'm afraid if I paid the bad dept off, it wouldn't reflect on my credit report as paid. I don't trust any collection agency's promises unless it's in writing. And I have had collection agencies refuse to put any negotiation in writing. At least, I was smart enough not to take their word at face value. I didn't pay the agency. Also, can I dispute the amount I am being charged to only the credit bureaus and bypass the collection agency all together? There are stock piles of late fees and late charges that I feel I shouldn't have to pay. For example: In reality, I may owe only $600.00 but after the late charges from the creditor and fees from the collection agency, my dept increases to $1000.00. Is this even legal? Thank youCharlotte


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majors@oskie.com to Satinfairywings show details Mar 10 Reply
That is totally true about 2 yearsonly thing is if something shows past due that account will continue to hurt your score longer than 2 years.one must also keep 3 rated (open 12 months) lines of credit open to over lap the bad. a person score can rise 100 points in a matter of daysand drop the same there no way for me to give you a detail as i know alomst none of yourthings open and good now things open and bad nowthings that are bad and closed and 2 years is alomst hereyour credit score

how long it will take them to be removed from my credit

I love your site! In 1 month my lowest score has come up from 455 to 508 (which is still bad but better). Anyhow, I sent some letters to get items removed if I paid them off etc. I got them back signed and so i am going to pay them off but I am wondering how long it will take them to be removed from my credit report? I need to get to 560 in in the next month or so...I opened a credit card but it is not yet reported on my credit either. Is there any way to push this through....the payments...and removal from my report? Thanks!
----------------------------
takes 30 days from recipt #10 on 12 steps to credit help
no matter the answer, you can dispute them if you have the signed letters and a copy of your bank statment showing the check was cashed. You would just dispute the acount first with no documents and prompt the bureau to call thise creditors. They should all say it was a mistake or just not respond within 30 days and the accounts should come right off your credit report and raise your credit score. If any of these are less than 24 months old, your score could jump WHOPPER. If at first you don"t succeed use the documents you have and get it all removed.
So
i am saying 33 days max. 10 if your lucky or someone is efficient.65 days if stuff happens
--------------------------
Oh cool....its everything from under 2 years RPTD that is on my report! I cant wait!
--------------------------
then you should get a big fico jumper

Relative opened a credit card without my knowledge, it messed up my credit

A relative of mine opened an account without my knowledge and it messed up my credit and also a mortgage loan with late payments was my them also. How do I get the credit bureau to take this off my report.
----------------------------
a relative?
a husband or sibling is about all that get away with this stuff
ask for your signature. ask the creditor. threaten to put in a complaint to your state attorney general

and how you could get a mortgage without your knowledge just doesnt sound right.
i need more information.
but the same would go for the mortgage.

on the surface this sounds fishy
----------------------------
The mortgage is in my name but they live there and were suppose to pay the payments but due to illness have not been able to pay it on time a few times. The credit card account was under my name and social #. I just need to up my credit rating as my husband passed away and I need to move but my loan rate is 619 or so. I don't want to prosecute .I just want some way to get my credit repaired.
------------------------
under your name how
on the credit card first
the home loan second

did you sign for either
-------------------------
I did not sign for the credit card and by the time I found out it had a high balance in it. Yes the loan is in my name but they make the payments and live there. It has been late a few times but is currently paid up and will stay that way. The credit card debt I am paying but I just want that to be on my credit report that I am not responsible
--------------------------
I will have to say
even prosecution will not repair your credit in most cases. But if you plan to get monies back off a credit card deal, one always has to file a police report and go to court. period

as far as the house goes. if you let someone move into a home in your name with your loan on it expecting them to pay it and they did not then you are screwed. There is no law or inference that says just because you were not living somewhere that you had a loan that you are not responsible for the loan. You should have kept up with the payments yourself and made them if they were going to be late, and kicked theyre butts out if they didnt pay. doesnt matter if they were sick or even if they died. all that matters is if you made payments on time
-----------------------------
on the credit card, if you file a police report and go back on the card and whoever signed your name.
then
you can get that one off your credit in most cases. it will take work

on the house
if
you can catch these up and get the late payments behind more than 24 months behind you, then your score will go up.
i would suggest you selling the house NOW and eliminate further possible complications and, ensure you can get the late payments behind you.
-----------------------------------
softer landing help your credit score information.
plus
you need 3 open good lines of reported credit that is at least 12 months old. I do not think this is your problem but thought I would mention it to make sure.
plus
you need to make sure all of your reported credit shows less than 80 balance owed to high credit limit.
----------------------------

i know the prosectution sounds harsh. But what is worse, you taking the fall for someoneleses misdeeds or them.

another thing
if you are wishing to move or buy another house. Your debt to income ratio has to be less than 45% so you almost have to sell that other house in many cases unless your income is super duper
-----------------------------
I hope I am not being charged for these e-mails. The house payment has only been behind 2 times out of a 5 year period. It has been paid on time for the last 15 months. If I could get a document signed that I was not aware of the credit card fraud ( which by the easy I have on my credit report) do you think that will work.
----------------------------
i dont charge anyone for anything ever

well you are about 9 months from the house payment not hurting your score with good reported credit the last 24 months. 15 months is behind you on your house now and that counts as one good line of credit. So your score will jump 20 or 30 points in 9 months more than likely. The only bad thing about a house loan or car loan is the late payments will show on your report until the day you pay it off in full and 7 years after that. it doesnt hurt you on your score if the lates are old. BUT they will show as one time in the life of the loan you were late. thats really sucks. It happend to me on a toyota car loan. Thats why I say sell the da.. house or refi the thing or something to stop this from happening

the only way to get the credit card off your report or the lates on the credit card off your report is to
and i have tried things of this sort myself plenty before
you have to show the error was on the creditors side. PERIOD.
You can do that if you can show or prove you did not sign nor ever meant to sign and they took an illegal signature for a relative? I feel sorry for the relative but more for you. If this relative means that much to you then just take the heat. but you cannot have it both ways i am afraid.
------------------
the best thing for now
get your balances on all your open accounts to less tha 80 percent 50 if you are great
if you have a few of these, then your score will go up right now. promise

Should I remove closed credit card accounts from my credit report

I was wondering how I would go about getting closed accounts off my credit report or if it is even necessary? I have about 5 credit cards on my account that I paid in full and closed a few years ago. They show on my credit report as paid in full, closed by consumer.
-------------------------
Unless they are reported as negative and less than 24 months or more old
it makes no difference

keep new good credit going

7 years is about to expire on account and now account has been renewed

While in college I purchased a few things on credit and really messed up my credit history. Its been about three years since I completed everything and this is my first year a a decent paying job. My current credit score or Fico score is 579, and I am amazed that it is even that high. My problem today that I was contacted by a third party bill collector about a derogatory account and while I have the money to pay and have no problem paying the bill they are not going to remove it from my credit report. The account(s) one which is 300 dollars expires or reaches the seven year limit next June or 2008 while the other which is $2,200 expires next March. Could you please tell me the best plan of action to take, Iwant to pay, but I don't really want a double jeopardy to take place. Thankyou
-------------------------
double jeopordy is a credit fact of life
there are some common ways to deal with these

1. contact and negotiate with the original creditor. Explain you feel your Fair credit reporting right are being violated and you want to make amends but not with a third party collection agency who is gonna make this 7 year bill turn into 14
2. use debt validation with the third party collections and explain the same thing as before
3. pay the debt and mark it up to learning experience
4. re open the debt after you pay it off
then after 12 - 24 months
then,
ask for them to remove the bad marks since most creditors only report the last 24 months.

in the end if you pay them it will be good and you will have a 0% balance owed to high credit rating ratio on your credit report and your score will go up after 12 months of new good credit

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response. How long do I wait and what is my next step?
-------------------
you can only get certified delivery to bureaus
i am not sure what you asked for or paid for
certified delivery to the mail PO box should be paid for
PO boxs can only be that way. no body can sign
----------------
I didn't make myself clear at all with my last email. I must have been half asleep. What I am wondering after I sent my letter to the creditors how long do they have to respond. If they don t respond at all what is my next step?
---------------
30 days
dispute my credit report
-----------------------
Can you except an email agreement from a credit agency ?
--------------------
no
usps mail.
certified delivery

call
then mail
mail then call

Mail address is incorrect and I have an account that is too old 7

And I'm not happy. First i would like to start with having an unauthorized mail address in Trans union. There's my mail address with an additional unapproved mail address. Should i contact Trans union and dispute? Second also have a an account open (CITI CARDS CBSDNA ) since 1994! Shouldn't that been deleted? And why does it still say OPEN and (Pays account as agreed)? And on legend it stating (ND). I really don't want to think the worst. Third Is it normal to have accounts display in all three Credit Bureaus.
Please advice. Any help would be appreciated. Thanks for your time
-------------------
is the mail address one you lived at once? or not. what do you mean unauthorized

if the account is open it will be reported
call citi cards. if it is not open close it i guess or use it to keep good credit for at least 24 months.

most account only report to one or two bureaus
but many do report at all three bureau that support FICO credit scores
----------------
No I have never lived or use that address before. I mean that why would they be sending mail to that address without my authorization.
I will call citi cards. Thanks!
I have sent my negotiating letter to my creditor. Hopefully they will come to an agreement.
------
you should dispute the address even tough some bureaus kick that out
say fraud
------
y

Got a new credit card and my score did not go up

The fico score has been more consistent climbing from the 550 up to about 602 with the disputes and the other thing that I had removed. I had opened a Orchard bank credit card and it remained at 602. The true credit scores have went from 550 to 592 and back to 568 with the opening of the new card. Can you provide some clarity, and maybe suggest a good credit monitoring service. Oh yea and none of those reports and score match up with a all in one WAC report that a mortgage person might use.
----------------------------
it takes 12 months reported MR to help your credit report FICO score.Usually you score goes down a little when you first open an account

Filed bankrupt in 2004. Any way to remove bad account before 7 years

I filed for Bankrupt in 2004 understanding that will stay on my Credit report for up to 7-10 years. Is there a way I can clear the individual accounts off the report and only show the negative Bankrupt
------------------
no
anything you filed on will be on your credit report for 7 years
after 2 years it doesnt really matter if you have new good credit IF, that credit was reported to a major bureau for 12+ months
you do not say if it was a 7 or a 13 which make a big difference on when stuff comes off your report

read this about Credit after Bankruptcy.
you can dispute some account, 3 at a time lets say, and hope

How do I delete charge off acounts on my credit report?

Will you give me advice or pointers on how to delete charge off accounts on my credit report. I am trying to get back on track with my credit. My credit mainly consist of installment debt and collection debt that has been charged off. What can I do? Your response, time, and concern would be greatly appreciated.
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if you paid the charge off, there is nothing much you can do but dispute the collections as not yours and hope
if they are unpaid then negotiate for some credit help on your credit score before you pay.
Installment late payments are pretty much set in stone unless they have beem paid off a long time ago or the company went out of business or something. Get these late payments 24 months old with no new lates and your bad credit score will go up.

My credit score has gone up 40 points since November.

Thanks for all the helpful advice. My credit score has gone up 40 points since November.

Your advice was awesome and very helpful. I have recommended you to many of friends and co-workers.
------------------
credit help / fix 3 in 1 credit report credit cards

keed 24 MR Months reported good credit

rated to no more than 80%,
better if, 30 -10 percent
HICR high credit limit / to BALS balance owed now

get DLA Date of last activity on account that have been 30 60 90 late
MORE THAN 24 months old

Sent letters of payments with request to have lates removed

I have sent in letters and proof of payments with requests to have the items removed once the account is satisfied. One, they didn’t remove it and two, my score didn’t go up an inch. I’m so frustrated I want to cry. Any advice?
------------------
accounts will show up as paid once you pay them
not removed, UNLESS you get lucky when you negotiate before you pay the account off in full.
which it sounds like you have yet to do. So pay the accounts off and get new good credit and in 2 years you will be happy.
bad credit is not a quick fix unless everything is totally an error by a creditor or a bureau.
Sounds like you have had past 30 60 90 days late, in the past 24 months.

i do not have all your information.
so this answer is limited in scope
---------------------
I have contacted several of my creditors and paid the account off in full…requesting at that time to have the item removed. They said they would do so and it is still on there and they received their money.

Also, I had a summary judgment that was satisfied…being that it was $8000 and I didn’t have to pay anything (landlord filed it when he found out I was suing him for his garage door falling on my head and injuring my back), I thought that it would make a difference in my score once I notified the CRA’s but no change. I know that this is going to take along time…how do they say “if I knew than what I know now” I would have been much better at this, but I got stuff and lost my job…and couldn’t keep up anymore.
--------------------------
usually creditors will only remove that you are late NOW
not in the past.
UNLESS you get something in writing saying theyt will do so.

get new good credit and get satan behind thee

a judgment rendered is a whole nother matter
if you had a judgment renderd
then
you found to be at fault by a court of law.

that just takes time to get off your report.

2 years and things will be much better
--------------------------
Thanks.

8 Collections and charge offs on my credit report. two are paid.

I currently have 8 collection/chargeoffs on my report. 2 are paid collections neither is 2 years old. The other 6 unpaid are scheduled to fall off by this time next year. I have 3 open of lines of credit that have been never been late and in good standing for 8, 7, and 3 years which each of them report to the bureau each month. Besides being patient with father time and continuing my on time payments with the positive 3 is there anything else I can do. I know one is a duplicate. I can dispute that one. One has a different date of delinquiecy than the original creditor so i think need to dispute that also to have it linked to fall off at the correct time. Any suggestions/advice would be appreciated on the others Bo
--------------------------
That is one of the most comprehensive well put questions I have ever received
One thing is missing. What is your credit score now.
Verify the debt with a debt validation letter to the collection agency. Negotiate if they can verify the debt. Dispute the account if you get no answer, or signed with company letterhead agreement.
You seem to had a great grasp of the best parts of raise my credit score fast. Make sure your open credit, show less than 80% of balance to high credit ratio. Divide the balance by the high credit limit and get lower than 79 percent %.

Account scheduled to go off record in 2008

I'm not sure what it really means. OK here it goes , on one of my accounts says

"This account is schedules to continue on record until May 2008"

Does that mean that it will come off at that time?

Thank you for all of you help, and your web site it great keep up the good work
------------------------
recorded within the company?
recorded and reported to a bureau or bureaus?
transunion equifax experian

the answer would be to look at your credit report now
and
check date of last activity on the same account.

and while your at it, all your accounts.

2008 would suggest the date of last activity would be
2001 last payment activity on this account 000111

remember accounts inactive for more than 24 months will
never help your score.

How do I get 30 day late payments on my car loan off my credit report

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time. Do you have any suggestions?
---------------------
car loans and home loans are the hardest thinsg to get off my credit report AFTER.
While im in active, 30 days, 60 days, 90 days late after, most installment loan company will make a change.
if i have recipts or bank statements contradicting my credit report

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full.

Collection sold and sold and the 7 years keep getting changed

In 11/2006 I request to all 3 credit bureau's that they have a collection removed. The collection agency first reported the debt in Sept 1999 on all three credit reports. All three removed it because it was past 7yrs. I was aware that the collection agency could have sold the collection account since there 7yrs were over to another agency. So I checked my report in March 07 & June 07 to see if they sold the collection and if the new agency were now reporting debt nothing was there. I received collection letter today from the same 1999 collection agency request the debt be paid in full and amount went from $1300 now almost $2600. I looked at my credits report this same agency have added themselves back on my credit report trying to collect same 1999 debt under the same name, same office address & account number. They didn't sell it to anyone else they simply started reporting it again. Are they able to do this. What actions can I take against this company for reporting debt again after 7yrs?
-------------
click here
make them validate the debt
then follow up

Erasing a chaprter 7 bankrupcty from equifax transunion experian

Dude, from what I can tell your info is accurate and free. Thank you. I was an Equifax employee for 3 years from 1986-89. Things have changed quite a bit, but still resonate the same. I am wondering if you have any other suggestions for erasing a Chapter 7.?
---------------------------
Not really
One can dispute anything on the credit report and hope it comes off.
Public records almost never can be disputed or are disputable.
If you have new good current credit and the bankruptcy is older than 2 years.
Your score should not be affected much by a bankruptcy.
Of course all credit falls off my report in 7 years.