isislc Posted January 12, 2008 Report Share Posted January 12, 2008 Ok, if you get a new CC account, after reporting for 6 months it is not considered a new account and as long as you have never been late and on time it raises your Fico. Now if this is true.....You have a loan that has an open date of 1999 but has only been reporting since 8/2007, would that have the same rule of thumb for the 6 months? I have 7 of these and they have never been late. I'm hoping that after reporting for 6 months that my Fico score will do a little bit of a jump even though they have open dates ranging from 1999-2001. Anyone know if this would be correct? Link to comment Share on other sites More sharing options...
Krash Posted January 12, 2008 Report Share Posted January 12, 2008 U are up LATE lol, go to sleep lol!!! i am not sure on that, i think that if they aren't 1 year old it probably doesn't do much good, but the open date is 2000? Weird, they should be boosting that score, FICO's are weird as we all know, we try as we might to get them up there, and BAM like a hard crash after a weekend on Viagra pills LMAO!!! Link to comment Share on other sites More sharing options...
isislc Posted January 12, 2008 Author Report Share Posted January 12, 2008 I work 3rd shift so obviously I can't sleep. I start at 830p and get out at 9am. I'm hoping that I'll get something from those loans soon. When I finally got them rehabilitated and they changed to good loans the removal of 7 negatives got me a 40 pt boost. I'm hoping I'll get another 40 pt boost soon. Link to comment Share on other sites More sharing options...
Krash Posted January 12, 2008 Report Share Posted January 12, 2008 yeah, i work nights too lol, 6 pm to 6am lol, but the nice thing is that when i get done with my job i can leave, and still get paid. I drive a truck and get paid per load, I wish you luck! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 13, 2008 Report Share Posted January 13, 2008 I work 3rd shift so obviously I can't sleep. I start at 830p and get out at 9am. I'm hoping that I'll get something from those loans soon. When I finally got them rehabilitated and they changed to good loans the removal of 7 negatives got me a 40 pt boost. I'm hoping I'll get another 40 pt boost soon.Isis:Are these student loans? I just got (well, the beginning of 2007) mine out of rehab and I've been fighting with EX to get rid of the 5 other defaulted loans from my report. It looks like I still have loans outstanding and not being paid. I understand consolidated, defaulted loans reporting whatever lates and having a zero balance (I don't like it, but I understand it). But these damn things are reporting with balances and as having a claim made to the government. To anyone looking at my report it looks like I'm a candidate for wage and tax refund garnishment. I sent a letter to the student loan people and they've agreed to get rid of those open loans. Lynn from MN over on the student loan threads says they won't/can't. It sounds like they did for you just what I'm hoping they'll do for me. Link to comment Share on other sites More sharing options...
isislc Posted January 13, 2008 Author Report Share Posted January 13, 2008 Yes they are student loans. I had a very nice rehab company that I worked with. As soon as my loans were rehabbed they told me to wait a week then go ahead and dispute them with the 3 CRAs and they removed them from my CRs within 2 days of the dispute. Two more weeks after that they were transferred again to another OC as normal student loans. All my loans now report with excellent payment histories but only has them reporting for 5 months but being opened between 1999-2001. The end of the month will be the 6th month and I was just wondering if they will boost my score like a credit card would at 6 months. Link to comment Share on other sites More sharing options...
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