Positive Factors -The time since your most recent past due payment is old or unknown. Negative Factors -Serious delinquency or derogatory indicators/remarks, and public record or collection information is being reported on your credit file. -The time since your most recent derogatory public record or collection is too short. -You have recently been seeking credit as reflected by the number of inquiries posted on your credit file in the last 12 months. Score is 616 :-(
The upside is that my remaining derogs are a reinserted public record, 2 collections that the CA has agreed to delete, and another collection that the CA has not provided validation for (which came off of the two other reports in the first round).
Love, will you tell me about your reinserted public record? I've had a couple removed w/ simple disputes, but I'm forever afraid they will come back to haunt me!!
I'm afraid that's going to happen to me. I have an unpaid judgement, and I'm afraid once I pay it, it'll be reinserted on all 3. I haven't gone to the courthouse yet, to see if it's all accurate. I'm hoping I can get it paid, w/out reinsertion.
