Re: items removed from report score doesn't reflect

Posted by Linda on February 08, 2002 at 01:40:11:

In Reply to: items removed from report score doesn't reflect posted by camille on February 07, 2002 at 11:01:31:

It appears to me that the score lags behind aomewhat. I may be wrong, but wait a couple of months and check it again.

Another facotr is which score you are checking - is it the one at the Equifax site? That should be pretty accourate, the scores TU and Experian are giving out for free are not real scores. They are kind of like "pacifiers." The TU score tends to never change. Dont worry, if you see the real TU score it is usually 20-50 points higher than what you see.

Also, if there are more recent items on there, like collections, the score will not go up much until the recent ones come off or get older.

And then there is the fact that none of really knows why it does what ;) They won't tell us that.

I think you have accomplished a lot in a short time. Are you building credit? You need to show that you can be a good customer now by paying something like a credit card or car loan over time. That can offset other items on your credit report, even if they don't come off.

Linda

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