Credit Score - Posted by Dimpil

Posted by Bruce Lawson on October 14, 2003 at 11:23:44:

Statutes vary from state to state on how long items remain on a credit report the standard is seven years or when ever the creditor stops reporting the information.

To increase a credit score decrease debt ratios. Make small purchases on credit cards and pay them off early. Only keep two revolving accounts open and one stationary (mortgage,car, etc…).


Bruce Lawson

Credit Score - Posted by Dimpil

Posted by Dimpil on October 11, 2003 at 16:20:52:

Okay, I know alot about how to get credit, how the FICO system grades and I’ve got a list of letters to write to dispute items.

BUT, how in the heck do you get your score up?

The only 1 way I know is the following as closed lines reporting can hurt you also:
I know per the FCRA that credit items do not have to stay on your file for 7 years the law says it ‘can’ stay for up to 7 years, which means it’s flexible. And I know it’s up to the creditor to detlet the item.

After that I have no clue.

Any help out there?

Thanks in advance!!