So I just looked at my credit report and found 2 negative items on my rpt. They were medical debts from a hospital that I never went to that has been sent to the collection agency. So the 2 items appeared as ollection debts on my report. I called the hospital, and they have no knowledge of the bills or that they have been sent to collection agency. so I disputed the items with the 3 bureau and now those 2 items are erased from all my reports.
My question is, how long would it take for my score to go back up to what it was 6 months ago? (6 months ago is when the mysterious items appear on my report). Would my score shoot up right away as soon as those 2 items got erased? Or would it just increase slowly over a few months? a year? before my score is back to what it was 6 months ago ?
2007-10-15 04:33:50 · 3 answers · asked by turin 2 in Business & Finance ➔ Credit
the question is how long would it take for my score to go back to what it was 6 months ago? Right away as soon as the items were removed? Or i have to wait for it to increase slowly back up?
Are the scores calculated monthy? or constantly updated everyday?
2007-10-15 04:48:46 · update #1
for example, 6 months ago before the bad collection items, my score was ~700. After the collection items, my score drop to ~640. I just removed those 2 items yesterday, so would my score be back up to ~700 today? or would I have to wait till the end of the month? or even longer?
2007-10-15 05:08:22 · update #2
Your score should have increased as soon as the collections were removed.
2007-10-15 04:38:57 · answer #1 · answered by ? 7 · 1⤊ 0⤋
Scores are constantly updated. As soon as the negative items were removed, your score should have rebounded.
2007-10-15 12:38:39 · answer #2 · answered by bdancer222 7 · 0⤊ 0⤋
error protest in writing and it will be removed
2007-10-15 11:45:02 · answer #3 · answered by Michael M 7 · 0⤊ 0⤋