January 2006: my FICO is 778.
Checking my credit Report on May 2006: 90 days late payment/ collection with gas company Peoples Energy. (forgot to order final bill, all bills keep coming to the previous address). FICO 688. Collection was paid off imediately.
October 2006: collection is shown as paid, but FICO is 692.
Question: what should I do to improve FICO? How I may delete collection from my credit report? Thank you!
2006-10-24 08:48:52 · 3 answers · asked by Helena M 2 in Business & Finance ➔ Credit
You cannot delete it will be on there for 7-10 years...pay off somethingon your credit report..closed accounts are better than open ones and/or open an account with acompany a loan company most likely make sure they report to credit bureau and makepayments tothem until its paid off(on time payments) that should help also to build your credit...any other questions email at sjk_poetic@yahoo.com...
2006-10-24 09:18:12 · answer #1 · answered by poetic 1 · 1⤊ 0⤋
when these happen ... you need to pay the company directley ,, and let it get posted to their books ,,, then dispute the collection .. and most of the time it will come off... only if it is paid to the company first,,,
2006-10-28 04:06:19 · answer #2 · answered by RED WHITE AND BLUE 4 · 0⤊ 1⤋
Dispute it with the credit bureaus
2006-10-24 13:23:44 · answer #3 · answered by ron d 3 · 0⤊ 1⤋