I need the experts help on this one. I have a RNB C/O on both my Target and Hudson cards, which I paid in a settlement in 4/00. Equifax has restarted the clock at 4/00 showing 5x90 with an R9 rating. As you know that is killing my score. I was clean out old copies of my reports and came across a copy of my Equifax dated 10/2000 from Q-Space showing both accounts as account open; $0 balances on both, history 90+ x 10 with balance dates of Hudson 7/97 and Target 12/96. And I went from OK to 90 days late in one month. Is there any way I can use this information to my advance?
Are you wanting to use this method "Sending information from CRA to CRA"? If so, I think I would try it. The only thing is that they may question the age of the information and that it may no longer be accurate. Even with that, you have not lost anything. Let us know how it goes. Good idea...
Love The old report is Equifax via Q-Space. So I'd be sending an old Equifax to themselves. Now, I made my settlement payment in 4/00 and this report is dated showing $0 balance. What concerns me is the balance dates, 12/96 and 7/97. IF I can get them to go back to those dates they would be off my report in 12/03 and 7/04 rather then 4/07. I think I have a better change at getting them removed complete that way.
