Hello Everyone,
Been reading the forum and I've got a lot more reading to do! A lot of helpful info and it is appreciated! Hubby received a copy of his credit report from Equifax. Here are my ?s please:
1. Hard copy of report. Is the credit score not displayed? How can I obtain the credit score?
2. He has only 4 TL showing, one is an R1, R2, and I1, 09. I assume the first 3 are good while the "o9" is bad, correct?
3. The "O9" is an old acct and here is the info: last reported 2009/09/01. At this time, reported balance is $0. Addl comments: Settlement made. Closed at consumer's request. Account has been 2, 3, 4 + pymt periods behind: 0 times. All other reportings were paid as agreed. When would this reporting "fall off" the credit report? Also, is there anything I can do as far as in writing, via fax, etc to inquire to see if they will remove it?
4. Lastly, the credit inquiries that show on his file is a list of 15 dating back to 2002. Do these ever "fall off"? Is there anything that can be done to have these removed as I have heard from other sources that this attributes to negative reporting?
Any and all advice is more than appreciated! I am new to Canada and am trying to help clear up things for him so that both him and I can start with as fresh or clear a slate as possible! Thanks for your help!
