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Discussion in 'Credit Talk' started by ACX, Aug 22, 2003.
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Yes, it's legal. The 120 days late is the HISTORY.
I know what your saying. An R9 (chargeoff) hurts your score less than an R5 (currently 120 days past due). I had the same problem with an account, and finally disputed it off, but it took some time.
Since its a paid collection, have you tried a nutcase to the CA?
An R9 is worse than an R5
No, I havent tried that. Matter of fact, I dont even know what that is. lol Where would I find info on how that works?
This is the 2nd time I have read where someone tried to say that a R5 affects your credit score more than a R9. Yet I have seen in the case of a Sears acct that's on my exp. My credit score was in the 610-620 range with the acct showing as R9, yet when I disputed and Sears rerated as a R5 my score jumped to 753.
The Experian score on their website is not a FICO score. It is an in house FAKO if you will. You have to go to myfico.com and pay to get your Experian Fico.
I'm speaking of my experience on EQ. Crap One was finally changed from R5 (currently 120 days past due), to R9 (chargeoff), and the score jumped 40 points.
I can verify that. I disputed a r9 and it was changed to an r5 and my score went down 50. Capital changed it back to r9 this week and it went up 50 points. Then the dispute triggered the automatic verification system and out comes an r5 and its down 50 points again. I guess its back to Mr. Cooke on Monday.