BTO429 Posted March 16, 2008 Report Share Posted March 16, 2008 I got a lot of crap Off my EQ report but no score increase.I have three collections accounts left and lates on my truck payment.Two of the collections are NCO and Palisades and I think they will be off soon also which will leave only one.What can I do to increase my score as it is only 510.I have a lot of inqs to come off about 10 from 06I just got approved for First premier ...I know its a junk card but I gotta start somewhere Link to comment Share on other sites More sharing options...
andrena67 Posted March 16, 2008 Report Share Posted March 16, 2008 I had the same problem, as far as i can tell, anything that was over 3 yrs old, does not seem to impact your score much. Link to comment Share on other sites More sharing options...
YoUrFrIeNdMiKe Posted March 16, 2008 Report Share Posted March 16, 2008 Well IMO the heavy disputing damage inflicted some serious enemy casualties. The warfare however made your score a little tired. The good news is this: #1) You could probably get any house or car you want right now, although they may ask you to payoff some of those little collections prior, and yes the interest may be a little higher, but if you understand how the loans work we end up paying 100% to even several thousand percent interest the way the loan, payments fees, ect are setup so a slightly higher interest rate should not be a problem 'cept on the ego. Time, both in letting the smoke clear, and you continuing to get clingy negs off your report through swift silent and deadly credit repair along with continuing to pay bills on time should prove to be be your most powerful weapon. The best bet here would be to borrow as little as possible and to pay as much as possible extra until these things get small, then go easy on the payments. Link to comment Share on other sites More sharing options...
BTO429 Posted March 17, 2008 Author Report Share Posted March 17, 2008 yea I think I will let the smoke clear for a while with EQ and work on EX. Think I may have to call divarty on these people. They aint easy to deal with but hey if i can survive several fire fights hand to hand combat and a bullet in the leg then i think i can handle these idiots Link to comment Share on other sites More sharing options...
mycorrado Posted March 17, 2008 Report Share Posted March 17, 2008 how recent is that third unpaid collection? did the CA re-age it to make it look recently reported? A recent collection will kill your score. Link to comment Share on other sites More sharing options...
lovelydria Posted March 17, 2008 Report Share Posted March 17, 2008 QUOTE=mycorrado;914850]how recent is that third unpaid collection? did the CA re-age it to make it look recently reported? A recent collection will kill your score. Link to comment Share on other sites More sharing options...
BTO429 Posted March 17, 2008 Author Report Share Posted March 17, 2008 One collection is from NCO financialDOFD is 6/2003\reported 2/2008Another is PalisadesDOFD 12/2001 date reported 3/2008I also have a default judgment from 97 the docket sheet from the court says the case file was destroyed under administrative rule number 7 SOL Link to comment Share on other sites More sharing options...
newbie7069 Posted March 17, 2008 Report Share Posted March 17, 2008 One collection is from NCO financialDOFD is 6/2003\reported 2/2008Another is PalisadesDOFD 12/2001 date reported 3/2008These reported dates being updated are causing FICO to view these as recent collections which have major impacts on your score.Just keep plugging on the repair. Don't focus so much on your score. As you clean up your report, your scores will eventually match your efforts. Your focus really has to be the clean up.With those collections being so old, have you tried PFD? Collection accounts are one of the most detrimental to your reports. I'd suggest doing whatever you need to do to get those off. Link to comment Share on other sites More sharing options...
BTO429 Posted March 17, 2008 Author Report Share Posted March 17, 2008 I need to know what to say in my letter to EQ about these old accounts. Link to comment Share on other sites More sharing options...
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