Montster
Hello Christine (and whoever else might be able to give me advice),
My wife and I completed CCCS more than two years ago and just recently checked our credit reports after a credit denial. We've noted some errors and are in the process of disputing them, but I have three questions about other notations:
1. What's the best way to get CCCS notations removed? Can I just request an investigation with the credit bureau, or will I need to haggle with the creditor?
2. Now that we're several years clear of ever having made a late payment, is there any way to have the "prior paying history" cleared of those late payments we made in 1998-1999?
3. This might be tougher, but can I get the "account closed by credit grantor" removed from some of those accounts, as well?
Any help would be most appreciated.
p.s.: I was listening to Suze Ohrman on my drive home yesterday and she said FICO no longer deducts points for CCCS notations -- is this correct?
My wife and I completed CCCS more than two years ago and just recently checked our credit reports after a credit denial. We've noted some errors and are in the process of disputing them, but I have three questions about other notations:
1. What's the best way to get CCCS notations removed? Can I just request an investigation with the credit bureau, or will I need to haggle with the creditor?
2. Now that we're several years clear of ever having made a late payment, is there any way to have the "prior paying history" cleared of those late payments we made in 1998-1999?
3. This might be tougher, but can I get the "account closed by credit grantor" removed from some of those accounts, as well?
Any help would be most appreciated.
p.s.: I was listening to Suze Ohrman on my drive home yesterday and she said FICO no longer deducts points for CCCS notations -- is this correct?