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When disputing credit report does your score go up while what is being disputed is taken off and for how long?
Wiki User
∙ 19y ago
*feels like a broken record* Credit scores are based on ALL of the information showing in your permanent credit file at the time they are calculated. Every piece of information connects to the other pieces and forms a cohesive picture which can only be guessed at. The reason for this is that the Fair Isaac Company (FICO), who developed credit scoring software don't release the methods behind their madness. If they did, who would need them? So any guesses about credit scoring additions and subtractions are based on emphirical data only. Their is a great deal of information about credit scoring online and a little research may give you enough ideas to project which way your score will factor after a deletion. But even a correct guess would only apply to you at this given point in time. (Boy, this was a long way of saying "No one knows".)
Wiki User
∙ 19y ago
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What is difference between report and recount?
To report is simply (1) to tell or in some circumstances (2) to show or to "appear". For example: 1. The manager instructed employees to report any incident of customers falling in the store. 2. John had to report to work by 5 a.m. on Saturdays. To recount is to tell, but with details. Example: Sally, the head cashier at the grocery store, recounted in her report what she saw of the customer's fall. Or... The victim recounted her activities just before being attacked, and told every detail she could recall of the incident.
What is a good fake credit card number?
There is no good fake credit card number unless you like the idea of criminal charges being brought against you. If you need a fake card number for a movie or something, contact the company of the card you want to use. They have special numbers that are used for advertisements and will never be issued to a real person.
What was the first english translation of the bible?
This topic is still disputed today. It appears John Wycliffe and associates translated the Latin Vulgate into English with Wycliffe doing the New Testament in 1382 and associates the Old Testament in 1384. However, credit is usually given to William Tyndale's translation of the Greek and Hebrew text in 1526 - though the OT was not fully completed until after his death in the Matthew Bible. In either event, these two scholars were strong advocates of the Bible being translated into the common venacular - in this case English. This was highly disagreeable to the Roman Catholic Church as they saw themselves and their Church as the sole institution on the divine word. Religious freedom is what caused many to come to the New World.
Who is credited with discovering prime numbers?
It is hard to for historians to know exactly who "discovered" prime numbers. It is believed that the ancient Egyptians had some knowledge about prime numbers. However it was the ancient Greeks who get most of the credit for being the "first" to study prime numbers.
Does being good at math but not essays hinder you from physics chemistry and engineering?
Well, it helps to have good writing skills in these sciences since you need to report your work. You have time to develop that. Not necessarily essays - I hated those and I am an engineer - but technical documentation in writing is very important
Is there a time limit on disputing inaccurate credit information?
There is no statute of limitations in disputing information on your credit report. If it is being reported, it can be disputed. Simple enough! ;o)
How do you clean your credit score?
The best thing you can do is work on removing the negative items that are hurting your credit score. That means disputing to the credit bureaus the items that are pulling you down. They will have 30 days to verify the item being disputed or it must be removed from your credit report.
Pay off a repossession does it get removed from your credit report?
Paying off a repossession will not generally get it removed from your credit report. If you have a good faith basis for disputing the deficiency on your credit report, you should do that. Many consumers have very good arguments as to why they do not owe the deficiency they are being charged by lenders. In addition to disputing the deficiency on your credit report, you want to be sure to defend any deficiency action brought against you by a creditor. Do not default on these lawsuits. When faced with a competent defense, most creditors, debt buyers in particular, cannot prove their case against you. Winning the case is court certainly goes a long ways toward providing you with a sound basis to dispute the alleged debt on your credit report.
Can a bankruptcy be disputed by a creditor?
You can dispute bankruptcies and items included in bankruptcies the same as any other negative item on your credit report. You must submit a dispute letter to the credit bureaus stating why the item(s) are being disputed. The credit bureaus have 30 days to verify the items or it must be removed from your credit report.
How do I remove a collection item on my credit report that was disputed but not removed?
Only the collection agency or the credit bureaus can remove a collection off a credit report. You can negotiate the removal of the collection off the credit report upon final payment of the debt owed. Some collection agencies have policies against this, some don't. You can also redispute it to the credit bureaus as many times as they will let you. It has a higher chance of being removed if it is paid off and an older account.
Does being denied for credit lower your credit score?
Yes. It is reported on your credit report.
Bad Credit need 20000 Capital Fast without being denied How do you Get it?
You don't. You have to slowly work on your credit score. Make sure to check your credit report quarterly and send anything that you may be able to dispute in to the creditor and the credit reporting agency. If the creditor doesn't verify the disputed amt. it will be removed from your report and raise your score. Unfortunately it's the only way, unless you have a rock solid co-signer.
If unpaid medical is not on your credit report can they charge you for it after the fact?
Yes. Some institutions/businesses do not report to credit bureaus. The debt not being placed on a credit report does not mean it is not completely valid and collectible.
Will paying off my 72k mortgage and 30k in bills raise your fico fast and how much?
No and Yes. Paying down your credit cards so that the available credit is higher then what is currently being used is a factor in the scoreing. The best way you can raise your credit score is dispute the derogitory credit you have that has been paid off or is old. There is no reason something paid current from 1980 should still be on your credit report. If you do not stand up for yourself no one will. I suggest disputing any paid derogitory credit. Even if it says paid on the report dispute it anyway as being paid. The agency will go back to the creditor and they will have 30 days to answer the dispute or it will be dropped of the report. most collectors when paid do not answer those disputes.
How does information currently being disputed on your credit report affect your application for a loan?
If it is on your credit report, it's there to stay. It will take seven years to remove. You would need to go through the courts to get a ruling on a dispute like that, and afterwards it would still be difficult, but not impossible to remove from your record. At this point, you will probably suffer in your loan application, with it either being rejected, or you will need to pay much higher interest rates.
What is the best credit report someone can have?
Depending on which credit report company one is with, depends on the highest credit report, as they have different categories. Experian's ratings are Very Poor, Poor, Fair, Good and Excellent, so Excellent being the best credit score. Equifax reports scores between 300-900, 900 being the best credit score. There are plenty of other provider's for gaining a credit report.
How might one get a free credit report from Experian?
There are many ways to get a free credit report from Experian. One could get an annual credit report by being a member of Experian. All consumers are entitled to a free report every 12 months.
