FICO score strategy

Discussion in 'Credit Talk' started by tommyy, Oct 27, 2001.

  1. tommyy

    tommyy Well-Known Member

    I need some advice regarding improving FICO score. I have 4 accounts on my CR that are 5 months or shorter from open to close. Should I dispute these in hope to remove them since it looks as if I had too many accts in a short period of time . 3 of them were personal loans redone to get lower interest rates. All of these were opened and closed in 2000. I did make all my payments on time but with them only being 5 months and less old do they even count for anything?
    Please help!
  2. OtherTerri

    OtherTerri Well-Known Member

    I would like to know that also- we refinanced our car in only 9 months, so we have a short term account also.

    Anyone know how this affects scores? Also, do we get the 12, 24 and 36 month boosts from closed positive accounts?
  3. roni

    roni Well-Known Member

    Personally, I would not remove any account that was shown paid/closed. I don't think that it will raise your scores at all.
  4. OtherTerri

    OtherTerri Well-Known Member

    Bkev- do you think we still get the "boosts" for having these positive accounts on our reports, even if they have been closed?

    I am counting on that because mine is one year old next month!

    Someone did post here a while back that closed positive accounts are still postive for 36 months, do you agree with that?
  5. lbrown59

    lbrown59 Well-Known Member

    IS TO rip us off

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