we had a few bad things on our credit report.got them removed.before then we had a score of 619.recently tried to get home financing and its showing no score whatsoever.what happened?
2007-03-25 08:59:27 · 4 answers · asked by mamanana9 4 in Business & Finance ➔ Credit
missing it i guess.we know how to clear our credit report.we were victims of identity theft to .what i asked was ,does anyone know why our credit score went from 619 down to 0 after clearing things off it that wasnt ours?some stuff is still on it thats good but they say we have no score
2007-03-27 14:57:59 · update #1
You might have a split file.
Try to order your report and look over it to see if "everything" that is supposed to be listed on there is there. Do not order a tri-merge report - order a report directly from the CRA
If everything is not on your report or you have problems getting your report, you will have to contact the CRA and request that they fix the problem.
2007-03-25 09:34:54 · answer #1 · answered by echo 7 · 0⤊ 0⤋
right this is the timeline: a million) Derogatories - late very own loan funds, charge-offs, scientific charges, and so on., in spite of in the event that they are actually contemporary, will proceed to be on your credit checklist for 7 years. 2) Bankruptcies - proceed to be on your credit checklist for 10 years from the date of discharge. so which you fairly go through longer in case you reorganize and spend some years quite paying lower back each little thing you owe, because form of financial ruin would not get discharged till all the bills named interior the financial ruin are paid off. 3) student loans - those can't be discharged via financial ruin and could stay on your credit checklist till paid. 4) Liens - likewise, those can't be discharged via financial ruin and stay on your credit checklist. 5) late federal taxes - take a guess - those stay on your checklist. A scientific bill in specific ought to be the effects of an spectacular situation previous your administration. i've got seen those with otherwise stable credit go through via a foul time because they had extensive scientific charges and made each attempt to pay all of it lower back. i might advise writing a letter explaining all situations regarding this debt, steps you took to tackle it, and contemporary status. that is quite purely recently that lenders relied purely on a credit to base a selection - if the lender has 0.5 a ideas, they're going to weigh those against your primary undertaking. no longer all lenders will settle for this perspective, yet you should nevertheless be able to discover one that does. Ask to talk directly to the underwriter to get a extra suitable wisdom of ways they're going to attitude your undertaking. stable success.
2016-12-15 08:35:41 · answer #2 · answered by ? 4 · 0⤊ 0⤋
Bring out your old credit report and file a dispute with that credit card company anf they will find your file really fast.
2007-03-25 09:03:52 · answer #3 · answered by Akbar B 6 · 0⤊ 0⤋
erasure of file?
2007-03-25 09:02:34 · answer #4 · answered by smiling_freds_biz_info 6 · 0⤊ 0⤋