I GOT MY SCORES AND MY HUSBAND'S FROM EQUIFAX. MINE 594 HIS 603 BADDIES: I HAVE ABOUT FIVE CHARGEOFFS AND TWO COLLECTIONS THAT ARE 6 YEARS AND 4 MONTHS OLD. MINE GOODIES: PERFECT PAYMENT HISTORY PRIMUS FINANCIAL AUTO LOAN 18 MONTHS HOUSHOLD FINANCIAL AUTO LOAN 2 MONTHS PROVIDIAN 1900 BAL. 1200 20 MONTHS BURDINES 600 BAL. 350 18 MONTHS CLOSED BY CONSUMER PROVIDIAN MASTERCARD 1000 BAL. 300 CLOSED BY CONSUMER ORCHARD 300 CLOSED BY CONSUMER SPEIGEL 400 CLOSED BY CONSUMER I HAVE 50+ INQUIRIES. HOW LONG DOES FICO COUNT INQUIRIES? IF A YEAR THAN 25 INQUIRIES. I CAN'T WAIT TO SEE MY SCORE IN FEBRUARY OF NEXT YEAR WHEN ALL OF THE BADDIES DISAPPEAR. THAT IS IF GULF STATE OR NCO DOESN'T TRY TO DO SOMETHING UNTHINKABLE. OTHERS PLEASE SHARE KYLA
Kyla - you may already know this but just in case: If your baddies are 6 years 4 months old you should dispute them with the CRA's as "obsolete" meaning 7 years old. They will likely just remove them since it's so close to the 7 year mark. Often, they fall off a few months early anyway cause the CRA's want to make sure they don't report past the 7 year mark. Anyway, it's worth a shot as it's worked for many of us. You can do the dispute online and I'll bet they'll be off within a couple of weeks.
