Comments on: Credit Score Clean Sweep—Get Organized http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/ Fri, 24 May 2013 13:11:28 +0000 hourly 1 http://wordpress.org/?v=3.5 By: Christine http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-19602 Christine Mon, 20 May 2013 19:19:15 +0000 http://blog.equifax.com/?p=4315#comment-19602 Once a bankruptcy has been discharged for 10 years and falls off a credit report, how much does a score increase?

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-17472 EFX Moderator, EM Thu, 18 Apr 2013 18:49:24 +0000 http://blog.equifax.com/?p=4315#comment-17472 I’m sorry to hear that. Paying bills isn’t fun but becomes a lot harder when they are sent to the wrong address. If you think think the item on your credit report is in error because of it, you can file a dispute. It could help to provide additional information, such as a letter from the lender confirming you did not get the initial bill. I hope this helps.

]]> By: Anonymous http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-17138 Anonymous Sun, 14 Apr 2013 17:51:32 +0000 http://blog.equifax.com/?p=4315#comment-17138 An invoice for some work I had done was sent to the wrong address. It was a minor amount (~$90) so I never even missed it. Six months later it went to collections. I paid it off as soon as I found out about it but my credit score dropped by 100 pts. Is there any way to have this removed since it was the vendor’s fault that I never received the invoice?

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16985 EFX Moderator, EM Thu, 11 Apr 2013 16:22:31 +0000 http://blog.equifax.com/?p=4315#comment-16985 Ellen, I am so sorry to hear this. Email statements can be convenient but can also get lost in Spam folders or get bounced back without knowing. Technology sadly isn’t foolproof. If you haven’t received a statement in awhile, it’s helpful to login and make sure all the contact information is correct. You can review these tips on improving your creditworthiness. I hope this helps.

]]> By: Ellen http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16846 Ellen Mon, 08 Apr 2013 20:26:35 +0000 http://blog.equifax.com/?p=4315#comment-16846 Hi, I have had excellent credit all my life. I recently had a credit card closed by the company because I was 90 days past due. The credit card company admitted that they had not sent emails as to payments due. I was not aware that I owed anything on this credit card. Consequently, my credit score is in the tank.I did pay the outstanding balance. What can I do to bring my credit score back up? I am very concerned as you can imagine. My credit score went from the 800′s to the 600′s.UGH!!

]]> By: Landon http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16611 Landon Wed, 27 Mar 2013 03:17:19 +0000 http://blog.equifax.com/?p=4315#comment-16611 I am just starting to understand my credit and need it in good shape. I have negative balances and collections. What do i do to pay them off?? Do i contact the places or is there a way to get them all together as one and pay monthly? Also, I was told medical bills don’t count against you? Is this true? Can i pick and choose which ones i want to pay? When I do start paying, how long does it take before my credit report reflects this?

]]> By: Joe-JOe http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16525 Joe-JOe Mon, 18 Mar 2013 19:03:50 +0000 http://blog.equifax.com/?p=4315#comment-16525 i was put on an as an authorized user on my parents acount 2 years ago to establish credit . I have 698 equifax 710 TransU and 701Exp it payment history excellent. the limit on the authorized card is 11,500. . the other 2 credit cards i have as my own only have 500.00 capital 1 and 1600.00 discover the balance on my 2 cards are always usually 0 because i always pay them off but my parents remain at a 6500 balance. puting me as using 51 percent of aavailable credit. i think this is hurting my credit. but i remove myself as authorize user . i was told that also will hurt credit …what is best to do?

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16524 EFX Moderator, EM Tue, 12 Mar 2013 18:51:39 +0000 http://blog.equifax.com/?p=4315#comment-16524 Cesar, I’m really sorry to hear that. We have some tips on how to increase your creditworthiness. I hope that helps you to reestablish your credit. Good luck.

]]> By: EFX Moderator, EM http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16523 EFX Moderator, EM Tue, 12 Mar 2013 18:42:14 +0000 http://blog.equifax.com/?p=4315#comment-16523 Amanda, Your student loans could be affecting your debt to available credit limit ratio. This is one of the factors that is considered when calculating your score. Click here to read more about what is considered when calculating your credit score.

I hope this helps. Thanks for posting.

]]> By: Matsuhunter http://blog.equifax.com/credit/credit-score-clean-sweep-get-organized/#comment-16522 Matsuhunter Tue, 12 Mar 2013 15:13:37 +0000 http://blog.equifax.com/?p=4315#comment-16522 The Bottum Line is the Credit systems in this country are flawed to a level that completely irritates me. Theres too many systems and none of them match each other. Your Equifiax is always the lowest score, Experian no one will accept unless its mortgage, and Transunion will never even be considered for auto,Recreation etc. Theres literally an Equifax auto, Equifax mortgage, equifax credit all different scoring for different institutions. Ten years ago i had a BK that they took 100 points off. It finally fell off my credit last October and NO points gain! Paid off two accounts NO points gain. Called to dispute the fact and of course the person on the other line doesnt care, won’t help and tells you its all AUTOMATED! a computer is in control of your credit. This company again does nothing but disgust me and is one of the reasons americans can’t get bought on purchases. Done paying you money every month for nothing

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