How Often Should My Score Change?

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How Often Should My Score Change?

Wondering how often a credit score will normally change? You're not alone. Because Credit Karma offers free updated credit scores and reports every week, many Credit Karma members expect to see their score constantly changing. However, this won't necessarily be the case.

Credit scores can change once a week for some and not at all for months (or even longer) for others. It usually takes specific changes to your credit information for your score to move, and once these changes occur, it could take some time for your credit report to reflect your new status.

Due to this fact, you may want to consider tracking your credit score over longer periods of time. While the fact that your credit score hasn't moved in a few months might seem concerning, it will likely seem less so in the context of a sixty-point improvement over an entire year.

 

Credit scores can change once a week for some and not at all for months for others. [Tweet this]

 

Short Term Vs. Long Term Changes

How your credit score reacts when you open a new account is a great example of how scores can change in the short term versus the long term.

When you open a new line of credit, a few immediate changes are usually made to your credit report. Most instantly, a new hard inquiry will probably be added to your report, and your average age of credit history could drop. Due to these factors, opening a new account is likely to drop your credit score in the short term. However, as you begin to diligently pay off your bills, the additional on-time payments, the higher number of total accounts and your now-growing age of credit history will likely outweigh the initial downsides, and your score can benefit in the long term.

If you've made prior credit mistakes and are working on repairing your credit, you may experience an initial bout of frustration as you loyally pay your bills off and rack up on-time payments only to see little or no change in your score. When in this situation, keep your long-term credit health in mind. While you might not see instant benefits with each paid-off bill, it's likely that you'll reap the benefits of your efforts in the long run.

How often should I check my score?

Since it might take months or years to see substantial growth, it's natural to wonder how often you should check your score.

While any short-term changes should be taken with a grain of salt, it's still wise to check your credit on a weekly or monthly basis. Regularly check your credit score and report to make sure no large changes have occurred that you're unaware of, to ensure the security and accuracy of your financial information and to keep an eye out for long-term trends. And if your score drops a few points, you may want to wait a few weeks before you jump to any conclusions. Keep making good moves and your score could bounce back before you know it.

About the Author: is a Content Writer at Credit Karma. Since joining the team in June 2013, he's been delivering the financial know-how on the daily. When away from work, you can find Mike watching hockey, Twittering for hours and frequenting trivia nights.

Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.

Advertiser Disclosure: We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

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4 Contributions
588 People Helped

Helpful to 569 out of 616 people

I applied for a CO credit card last January 2014 my credit score was 638 they gave me the card 2,000 i apply AE in April with the same score and they also gave me the card 1,000. i used them and paid on time more then the minimum and my scorestarted to climb by September it was 680. i apply for DC in November they gave me 4500 and now my score is 750 and I am using 14% of my overall credit which is combined 10,000$ keept low and pay  pay. you will see results. I also had a court Judgement on my report. didnt let it stop me. Since then CO increase my limit to 3500 and AE increased to 2000.  I am going to do all in my pwer to keep it under control no wasteful spending.  And no more applying fot cards that is enough for me.

Top Contributor

Reply by
sgar1973

26 Contributions
115 People Helped
Helpful to 79 out of 101 people

One question: How long ago was the judgement from the time you applied for the CO and AE credit cards? I have a discharged BK and not sure when I should start applying for the "normal" credit cards as I have a secured card that I've worked with for over 8 months now but my BK was only discharged 3 months ago.. Thanks for the input.

Reply by
livewire81

1 Contribution
310 People Helped
Helpful to 310 out of 331 people

You can get rid of court judgments off your report by just disputing them through one of the three credit companies. Courts don't keep judgments of file so when you dispute them they will just get taken off completely. It worked for me.

Reply by
bettypearl2bme

8 Contributions
23 People Helped
Helpful to 15 out of 20 people

Any student loans?

Reply by
dsoprana

3 Contributions
9 People Helped
Helpful to 1 out of 2 people

Enter Your Reply  CO means Capital One.

Reply by
Itzie69

1 Contribution
1 Person Helped
Helpful to 1 out of 5 people

Hope you bought a dictionary with one of those credit cards...

4 Contributions
252 People Helped

Helpful to 178 out of 205 people

My score went up. I figure there must have been some type of error in the calculations somehow. The site is a little more difficult to use but on the bright side, at least we get our scores from Transunion and Equifax now. Hopefully, they can get Experian to contribute as well. That'd be great!

Reply by
grwilliams1971

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Helpful to 28 out of 46 people

I was saying the same thing rcredk's!.....

Reply by
a2011dn

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Helpful to 53 out of 120 people

Suggesting another site/app may sound unwanted or unwarranted but to get Experian scores, I use CreditSesame. This helps me keep upto date with all my scores, from the three bureaus. No I don't work for them. Since, arriving in the US as a refugee in 2008, I now have credit scores hovering around 800s.

Reply by
onepaone

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Helpful to 172 out of 225 people

@a2011dn

You are wrong about CreditSesame and are either connected to them or someone you know is.  They only give ONE reporting agency score for free.  If you want all there, you have to pay.

Please don't decieve people by posting this.

Reply by
jmccon3

1 Contribution
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Helpful to 15 out of 15 people

@onepaone 

a2011dn was only suggesting you can get 1 free score - from Experien, the company that creditkarma doesn't offer. For free - so if you joined creditkarma, which you have since you can post here and join CreditSesame THEN you can get all 3 credit bueau's scores. 

Reply by
walkerd27704

1 Contribution
4 People Helped
Helpful to 4 out of 4 people

I agree that this site is helpful but the scores does not match the actual credit bureau sites.  I was so excited about the changes that I was making then when I got my scores over 650 after years of having no job after being laid off, I then decided to pull my scores from the individual credit bureau just to be sure before appling for a home loan only to find that that the score on credit karma where about 50 points higher than the individual bureau sites.  Well as you know, I was very disappointed.  So I advise you all to , Yes use this site to manage your score and take advantage of the tools but before you apply for ANYTHING, pull your scores from the individual bureaus so you can be sure you can get the low interest rates that you expect to receive according the the scores provided by credit karma.  

Reply by
cl26

1 Contribution
0 People Helped

@onepaone

What a2011dn was saying is that creditsesame gives you the experian score. So, when COMBINED with Credit Karma you can view all three scores. 2 in Credit Karma and 1 from credit sesame. 

Reply by
Equa1ity

1 Contribution
4 People Helped
Helpful to 4 out of 5 people

@a2011dn & jmccon3, You're both incorrect about your posting on Credit Sesame...

"Suggesting another site/app may sound unwanted or unwarranted but to get Experian scores, I use CreditSesame"

"a2011dn was only suggesting you can get 1 free score - from Experien, the company that creditkarma doesn't offer. For free - so if you joined creditkarma, which you have since you can post here and join CreditSesame THEN you can get all 3 credit bueau's scores."

HOW? Credit Seasme gives a free report from TRANSUNION not Experian!

There are several places to get a free Experina score and report. Creditscorecard offers a free Experina score once a month. It's through Discover and is also FICO 8 not Vantage 3.0 like Karma and Seasme. Creditreport gives a free Experian report once a month. Use both and you get your report and score (FICO 8) from Experian for free.

BTW, The Vantage score is hardly used by any lender in the US. Over 90% of lenders use the FICO system! Don't judge your chances on getting credit from a Vantge score, EVER!

Reply by
hafizah

3 Contributions
0 People Helped

There was a time that they did repory all three major credit bureau.  I will love to see Experian comes back as many companies used Experian score specifically.

Reply by
djoyce3

1 Contribution
0 People Helped

My TransUnion score is 621 and my Equifax score is 728.  How is this possible?  What can I do to get the TU score close to the Equifax score?  Thank you!

1 Contribution
115 People Helped

Helpful to 115 out of 119 people

I have worked in banks for years. The last job was a loan processor. I still have trouble understanding how they come up with these scores. All I can say is the new format is spot on. I had my bank check my score for a new loan and told them that I was tracking it on Credit Karma and it seemed too low, 750. When they got the official results on the credit check directly from the 3 companies my score was exactly on, 815. The same as on this site. The old format had my husband with a score of almost 100 points less than mine. All the information is exactly the same for both of us, 30 years worth. Now our scores are exactly the same. So for those of you that had a score go up or down, the current format is the most accurate.When I applied for the new loan I received an email notice immediately informing me that there was a credit inquiry. This was an unexpected bonus. A great way to keep track in case I had not authorized the inquiry.

Credit Karma Team
Top Contributor
2949 Contributions
5282 People Helped
Helpful to 20 out of 22 people

Thanks for posting! We appreciate your insight.

Reply by
trojan898989

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Helpful to 32 out of 38 people

NOT EVEN CLOSE!!!! credit karma is a free credit card advertisement. I personally use expierian and pay monthly for it. And my score on credit karma is around 40 points higher than expierian. so i called my bank also to check because im getting ready to build a house the bank was just a couple points off of experian so dont go off of this site alone!!

1 Contribution
139 People Helped

Helpful to 139 out of 196 people

My credit score dropped 50 points this month because of credit Karma?     Why did it change to this crappy layout?  I was eay to use before and now it sucks!!!  I am very upset with this site.  I have been following my score very closely here and and last month it went up 10 points.  Since then I have only paid off more debts in a timely manner.  Now it is 50 points less a month later, why is that?

what has happened to the Credit Karma site?  Why has it happened?

Reply by
tonyettaross

1 Contribution
56 People Helped
Helpful to 56 out of 83 people

I totally agree. I was working very hard post bankruptcy to get my score up to 700 it has changed from 668 to 625!!! I am not happy with the changes and the layout is the worst, it is so difficult to understand and unhelpful!!@@!!@

Reply by
kmmorley

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Helpful to 89 out of 146 people

I was told by the guy I am working with that you should keep around 30% utilization on your open accounts. Paying off accts hurt your score.

Reply by
mehandy

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Helpful to 9 out of 27 people

Enter Your Reply

Reply by
chellewilson

7 Contributions
128 People Helped
Helpful to 16 out of 21 people

With revolving accounts paying them totally off can hurt your score.  I have 2 cards that I use regularly, making sure that I don't have more than 25% of limits used.  My score keeps going up using them this way.

Reply by
MLS700

4 Contributions
15 People Helped
Helpful to 6 out of 9 people

I have three credit cards from the same bank. Each has it's own advantage. One card is paid off, the other two have a $4400 balance at 0% interest. So, At least for the next 9-12 months, I don't want to pay off these two cards. Anyway, my main point in replying is to say that if you do have more than one credit card with the same bank, and if you pay one off, the bank usually will allow you to move unused credit on the paid off card, to the card that holds a balance. In this way, you may reduce the % of use on the card that has a balance, hopefully to less than 30%. This should increase your credit score.

Reply by
labbies

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

I am upset about the new format as well.  Used to show a graph with past scores which was very helpful.  Now you can't see what it was the month before. It dropped this month probably due to some spending on my cards but I don't know how much.

Reply by
mlh3

1 Contribution
0 People Helped
Helpful to 0 out of 1 people

I know what you mean. I always pay on time and never late and yet with this new system my credit score went down 16 points, Why?  Someone is really trying to upset their customers on purpose. Just doesn't make any sense to me at all.

Reply by
echevrie

1 Contribution
0 People Helped

I agree where is the chart for 6 months or a year?

I can't find who I can email for this as well.

It was so cool before to see what happened each month, very helpful.

Anyway you can put that chart back...

Reply by
patricklivings

2 Contributions
1 Person Helped
Helpful to 1 out of 1 people

  their format now is closer to what the credit companies use when they pull your credit report. the scores you see on these sites will always be a little higher than what they see. now it is closer. Your FICO score is what matters. my score on here is 660/658, but my FICO is only 609, which is the score a car dealership for instance would see if they pulled my credit report.

Reply by
Con1983

1 Contribution
0 People Helped

I have been working very hard to improve my credit score and had gotten my Transunion up to 645 and Equifax was at 652. I paid down my credit card from being at 93% of my available credit to 44% of my available credit. The next week my Transunion score went way up to just under 700 but my Equifax score went down by 31 points to 621. I dont understand how making my debt to credit ratio more in line with the under 30% utilazation rate that is supposed to improve your score hurt my Equifax score so greatly. I paid $800 on that account and for what? I hurt my credit score and my purse, I am so frustrated!

Reply by
fdferguson48

1 Contribution
0 People Helped

Enter Your Reply

Me too I have been doing the same and my scores dropped.  I went to another site and my scores are totally different than these.  I am so confused on what to do.

Reply by
coyolaflare

1 Contribution
0 People Helped

@kmmorley how does it hurt your score if you pay it off wouldnt it help it im confused???

Reply by
mrich612

3 Contributions
5 People Helped

This has also happened to me my Equifax score dropped a lot and nothing on my report has changed.

Reply by
bettypearl2bme

8 Contributions
23 People Helped
Helpful to 0 out of 1 people

Credit Sesame already has me concerned; just signed up.  They are not even prompting for most current info; asked for past address info.

Reply by
Novechek

2 Contributions
1 Person Helped

There's something wrong with this whole Credit Karma thing- 2 months ago, my score was in the mid 700's- I had a new truck, small credit card, student loan, and a home that had three mortgages tied to it (Land, secondary, and primary)- I recently sold the home, which elimated 3 mortgages- My score dropped to around 590- WHY!?

Reply by
hafizah

3 Contributions
0 People Helped
Helpful to 0 out of 1 people

Just clarifying; Credit Karma has nothing to do with anyone's score going up and down.  They are only reporting what the credit bureau are reporting.  Therefore, if there is a problem with your score going down, I believe it is best to contact that credit bureau directly and get an explanation.

Also, I have been a member of Credit Karma for quite some time and I had to adjust to the updates; however, once reviewing and studying the site, it is actually more informative and useful.  I specifically loves the fact that they separate the close accounts from the open accounts.  Each categories have their own tabs and it is very easy to click what you will like to review specifically.

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Reply by
Indaknow

11 Contributions
7 People Helped

Enter Your Replyyou ****ed up somewhere

Reply by
donnahobbs3590

3 Contributions
1 Person Helped

I feel same way credit is holy crap and dirty eject to everyone hurt with score I don't trust Kamara credit. They are play game!

Reply by
thickisser

1 Contribution
0 People Helped

trip this.... my score was low to start but now i find it went from 654 to 0! whats up with that? i hav nothing new going on.

Reply by
Valiantscout

4 Contributions
1 Person Helped

Im with you too bud when they had the old method credit score it was almost 625 3 years ago til they started a new method and they Fked it up and causing my score to dropped almost 100 point they are really fked up so I cant trust these people doing there job.

Reply by
stephendog

1 Contribution
0 People Helped

Enter Your Replyyou hava no clue!!!!!!!!!!!

1 Contribution
125 People Helped

Helpful to 125 out of 170 people

i really dont like this credit karma  3.0 vintage score it looks like my credit score change from good to bad......

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Reply by
CKCharmaine

512 Contributions
1140 People Helped
Helpful to 32 out of 52 people

Hi prettyladdy, the VantageScore 3.0 credit score is calculated on a different range from your TransUnion New Account Score, but that doesn't necessarily mean it's a bad model. You can learn more about it here: https://www.creditkarma.com/article/VantageScore-3-0

Reply by
mane1az

2 Contributions
121 People Helped
Helpful to 121 out of 156 people

Enter Your Reply  i know what you mean... i cried when I saw my score was 39 points lower with this new version. I thought I was on the right track and now I am just frustrated and confused.

Reply by
Bryceman27

5 Contributions
298 People Helped
Helpful to 275 out of 325 people

I do not like this new model at all. I went from a 678 to a 580 with this new scoring model... I thought I was on the right track to credit repair post BK and my credit score was improving monthly with ontime payments and the rebuilding of history and now I'm literally almost 100 points less and I'm a little frustrated to say the least.

5 Contributions
26 People Helped
Helpful to 26 out of 42 people

SAME HERE BRYCE!

Reply by
michaelkoz

2 Contributions
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Helpful to 1 out of 1 people

my score went from 710 to 741 with this new model

Reply by
sedric7979

7 Contributions
18 People Helped
Helpful to 3 out of 5 people

This scoring model are better than the old one ,company are useing  the fico score number one and second the vantage score 3.0 . This is the two must use model by lenders. My best comment to you is to go to www.myfico.com and get your true fico score from all experian, equifax and traunion.

Reply by
Roger33917

1 Contribution
1 Person Helped
Helpful to 1 out of 2 people

Yes me to I was in the process of buying a car post Bk and went from fair rating to very poor after this new system came up. Thank you very much so much for a decent interest rate now.ugghhh

Reply by
dorthiac

1 Contribution
2 People Helped
Helpful to 2 out of 3 people

I feel the same way this new model dropped my score over 70 points..I hate it..I thought I was on the way to a good score and now my rating is "POOR" thanks Credit Karma.

Reply by
mzcaprilr

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

Enter Your Reply I thought it was just me when I just checked my score down over 40 points are you kidding me. This is a bunch of crap. Another way to keep people from moving ahead. And being able to get affordable interest rates.

Reply by
mernye

2 Contributions
1 Person Helped
Helpful to 1 out of 1 people

Enter Your Reply

I noticed all my accounts (10) were removed and then put back the next day causing my score to plummet!  I went from a 720 (good) way down to Fair.  Which it is not!

Reply by
mrskahoez

3 Contributions
0 People Helped

my score went down also once they updated its bs nothing has changed other then i retured equtment and the amout was lowered to what i owe and i found a mess up on my credit score witch they said by the 10th it should be deleted off my account my score went from 544 to 516 with the new update with in a month i would think it would go up do the the postiive changes ive been making now down :(

Reply by
tgorlich

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1 Person Helped
Helpful to 1 out of 1 people

The whole thing is off.  This model shows my credit score is higher than what my bank told me Trans Union/Equifax actually reported on their system

Reply by
sheliag

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1 Person Helped
Helpful to 1 out of 1 people

I agree.  I have worked hard the last few years to try to get my credit score built back up and this new system made my score plummet.  That's hurting us as consummers instead of helping and it is very discouraging and frustrating.

Reply by
beltway07

1 Contribution
1 Person Helped
Helpful to 1 out of 1 people

I think I'm like most of you, my scores went down at least 50 points. I'm a poster guy for paying my bills on time. This was frustrating to see.

Reply by
preythesun

1 Contribution
0 People Helped

Did my credit for Transunion go down from 751 to 739 (-12 point) because of the student loans I have reported?  I paid them off right away, though, so that should make it go back up, no?

Reply by
jimmyn64

2 Contributions
0 People Helped

Enter Your Reply  Bryce I don t know if you  can help. I just had my Bankruptsy hearing in January. How long after discharge did you start getting offers for credit cards.

Reply by
facialproducts

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1 Person Helped
Helpful to 1 out of 1 people

This new credit system stinks. I went from a 780 down to a 625. What kind of nonsense is that. This has totally messed me up regarding job and apartments. Shame on credit karma. Their credit score should be a minus number. I'm sorry I ever subscribe to it.  My credit cards do not reflect credit karma's scores, thank goodness. I don't know how they're figuring it out but I'm going by my credit card scores. because they've got them in the high 700s, which is what they really are!

1 Contribution
53 People Helped

Helpful to 53 out of 54 people

Credit Karma shows my credit as 130 points below what my actual score is! This caused a day of panic at my house before I realized they use a different formula to "estimate" your score. My credit has always been very important to me and I have prided myself on having a great score. I was devastated when I saw my Credit Karma score. If anything, I am going to use Credit Karma as a tool to track my credit and not take the score so literally. Some of the information is very helpful, even if the score if not correct. 

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Reply by
Atlantic51

11 Contributions
41 People Helped
Helpful to 17 out of 21 people

Enter Your ReplyYou hit the nail on the head. CK is a tool, not an end all result. CK does a great job with their own formulas. What is important, the Vantage scores are free!

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Reply by
Tojomar4

35 Contributions
58 People Helped
Helpful to 7 out of 10 people

AMEN!!!!!!!!!!!!!

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Reply by
Indaknow

11 Contributions
7 People Helped
Helpful to 3 out of 4 people

Enter Your Reply youll be even more devistated if you lose your income

1 Contribution
74 People Helped

Helpful to 74 out of 96 people

my credit score went from 776 to 753 without using any credit cards. WHY

Reply by
grwilliams1971

6 Contributions
59 People Helped
Helpful to 14 out of 25 people

The same with me!....

Reply by
chellewilson

7 Contributions
128 People Helped
Helpful to 86 out of 95 people

You need to use them periodically to maintain a healthy credit score.  You can use it a few times then pay it off when the bill comes.  I find that using a card but deducting the charge from my checking account helps with this process.  That way when the bill comes the money for the payment is already been taken out.  I basicallly use the credit card as a debit card.  Most cards now give cash back so this helps.

Reply by
celestos

1 Contribution
15 People Helped
Helpful to 15 out of 19 people

I worked my butt off and got my score in the mid 600s now all of a sudden I am at 579 and I do not understand why. I am so upset and dishearted

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Reply by
Indaknow

11 Contributions
7 People Helped

Enter Your Reply ha ha

1 Contribution
71 People Helped

Helpful to 71 out of 87 people

How long does it take for ontime payment history to show in your score? How long can closed or charged off accounts stay on your credit report? I thought 7yrs however it appears that they continue. I have one that was transferred that is 10yrs old and it continues to hurt my credit

Reply by
felloutoftree

1 Contribution
21 People Helped
Helpful to 21 out of 98 people

If you have a place tolive mbe grateful I will be checking my score from the homeless shelter, most of it was not my fault and whatever was was due to illness. tHIS IS AMERICA!!!!!!

Reply by
BankableMe

1 Contribution
46 People Helped
Helpful to 46 out of 50 people

Any item over 7 years should brought to the attention of the bureau reporting it. All you have to reference is the date of the account. Keep in mind, the date you see could be the date the account was opened and the bureaus count 7 years from the date of closing negative accounts. If the date was indeed closed over 7 years ago, they will remove it.

Reply by
Beannie31

1 Contribution
15 People Helped
Helpful to 15 out of 18 people

Enter Your Reply

I agree, I have been paying on time for years and late payments from years ago are not dropping off and continue to kill my credit.  The credit companies need to let them drop off like they are suppose to. 

Reply by
cattleprodf13

2 Contributions
2 People Helped
Helpful to 2 out of 2 people

Bankruptcies can stay on your report for up to 10 years but other accounts should drop off after 7 from the date the creditor sent you to collection or you defaulted on a loan. Timely payments will reflect up to 7 years. Contact all 3 agencies and tell them the time frame for reporting a debt has expired and ask them to remove the account. Most will automatically drop after 7 years but if you are not pro-active in insuring it be removed...some accounts may show indeifinitely. The law states debts must be forgiven after 7 years and that means that unless attempted collection has been made through a court of law within the statute of limitations for your state pertaining to a particular debt, the debt must be removed from your credit report. Stay on top of it!

Reply by
dadscheck

1 Contribution
0 People Helped

 You need to contact the credit  company who is showing negative on your report Challenge the company to show proof if it's 10yrs or more they will have no record of it then have them remove it from your credit report.

Reply by
dofaust

9 Contributions
81 People Helped

It really varies according to the quality of the aggregator (creditkarma, creditsesame) - the best and most timely reporting is by a large financial institution, who buys the best copy of the data they can get. Not so with cut-rate-ad-driven aggregators such as you-know-who. In several tests, my bank's TU score has always been EIGHTY points higher than CS or CK's "TU" score.... one guess why... CS and CK both have the same non-explanation: they won't talk about anything except how your score is bound to be different from reporter to reporter. It certainly is, esp when the reporter only pays for an old copy of the data, and, has sub-par analysts who spend more time playing trivia and on twitter, then they do thinking and doing risk-management and finance (look at the so-called "profiles" of the CS and CK reps... I rest my case... you get what you pay for, esp when "free"....

Reply by
Annalou

2 Contributions
1 Person Helped

Enter Your Reply

Reply by
MRGTR

2 Contributions
7 People Helped

contact one of the Credit bureaus and explain the time frame. If it is indeed past 7 years, they will remove it after investigating.

Reply by
klove1106

2 Contributions
1 Person Helped

my cousin works for trans union, and she told me to dispute EVERYTHING, so far I have and everything that I disputed has came off..mainly because they were over 7 yrs old.  Companies sell your information, so it looks like a new charge, but if you dispute it they have to take it off.

Reply by
midwestconsumer

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It is generally 7 years to stay on your report depending on the state you live in.  However, If you have a negative transaction that is 10 years old and still hurting your credit and opportunities, it needs to come off. All you need to do is write each credit bureau and dispute it by telling them it has been on your credit report longer than the required amount of time and ask that it be removed. 

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Indaknow

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Enter Your ReplyHell, i got stuff from 1991

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My score went up over 100 points on this new system. I am not sure why, but I am happy about it and believe it more since there are 2 credit companies reporting almost the same number

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An interesting article but I am still somewhat confused.  Several months ago Karma reported my credtscore as 762.  I checked it today and it is 692.  There have been no changes of anykind in our borrowing habits and we still have not incured any late payments or missed any payments on any of our obligations. I would think it would at least remain the same or hopefully go up, but I am confused as well as flabergasted at the pending score.  HELP!!

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