I didn't pay a bill that was on my credit report. It finally fell off after seven years. I recieved a call on it yesterday and the lady told me that even though it's not on my credit, it still affects my credit score. Is that true?
2007-05-04 02:22:34 · 5 answers · asked by Charles W 1 in Business & Finance ➔ Credit
She is incorrect.
Anything that doe's not show on your credit, doe's not effect your score.
Just because it dropped off your credit bureau doe's not mean that the collection company will not still try and collect it. The only way out is to wait for the statute of limitations to run out and then you can tell them to go pound sand.
2007-05-04 02:29:53 · answer #1 · answered by ? 7 · 1⤊ 0⤋
anything that get removed from your credit report helps your score go up..
I know, I got 4 things removed from my credit report and it went up 60 points
2007-05-04 05:00:42 · answer #2 · answered by shorty21 5 · 0⤊ 0⤋
no, once it's paid off and it's not on your credit report it does not affect your score.
2007-05-04 02:27:31 · answer #3 · answered by oga_82 1 · 1⤊ 0⤋
no only whats on there affects it and if you pay even a penny on it they will have it put back on there so either ignore there calls or tell them you dont know what there talking about.lolalso tell them not to call again and if they do it is considered harassmant
2007-05-04 03:07:21 · answer #4 · answered by mamanana9 4 · 0⤊ 0⤋
No, it doesn't, unless you didn't pay it and they show it as a write-off.
2007-05-04 02:32:32 · answer #5 · answered by Big Bear 7 · 0⤊ 0⤋