My husband and I are in the process of house hunting and I'm on a mad dash to repair what I can of my credit. As of last month, my score was 575. I checked this morning and my scores are as follows: Experian: 632 Equifax: 598 Transunion: 629 I have paid off a few more items that haven't been removed, so I expect a jump I have several items that are paid, closed and have zero balances. They range from 1999 - 2005. Is there anything I can do to remove them? I'd like to have them not show as potentially negative.
First, make sure the scores you're checking are FICO scores and not FAKOs. If you have accounts that are paid and closed in good standing with 0 balances, leave them alone. You shouldn't be trying to remove them. Now, what's the deal with the accounts you say you've paid but they haven't been removed? Did you negotiate their removal in return for payment? How are they currently reported on your credit reports? As collections or charge offs?
Thanks for your reply! I have 16 potentially negative 4 marked - Potentially Negative Closed I have filed a dispute on these 12 marked - Current Closed I have filed a dispute on these - 6 are duplicates! Thus far one item has been deleted from a dispute, so fingers crossed on the others!
Once again, leave the current and closed accounts alone. There's no reason to try and get rid of them. In regards to the negative marks, are these collections or charge offs that haven't been paid? What exactly are you disputing about them? Disputing through the CRAs isn't the only way to get something corrected or removed from your credit reports. You can accomplish the same thing by working directly with the information provider as well.
How are you checking your scores every month? I'm currently disputing and sending out a couple payments because 2 companies agreed to delete upon payment, so I'd like to check my score in the next month or so.
Hi, I am disputing them, because they are potentially negative and impacting my negative score. I currently don't have any outstanding debt, yet my score is VERY low I wanted to see if I could delete some of these that are charge-offs, but marked as "paid/closed"
