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Geena24

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If I've paid every thing bad off on my credit why is my score not moving

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Paying off all negative items on your credit report is a good start.   You need to review to detemine if the accounts are reflected as paid.   Many collection firms do not report updates/payments.  If the debt is not older than 5 years;  If you have documentation of the payment,  I would send this to the credit firm requesting the update.   If you documentation is sufficient, some will accept this and make the update. Others will seek input from the creditor.  Should the creditor not respond, they'll make the decision based on what they have.  As the information will change, you will see a new date on your file, this was an update - date, it is not the date used for removal purposes.   Two other factors that weigh on your score is the age of the negative debt.  Some scoring models take the date reported into consideration and thus, it is possible that your score already provided credit based upon this factor.   Another is the age of the item.  The age is based on last payment and/or date reported.   They will remain on your report for up to 7 years from that date.   Weigh your dispute of payment options carefully, you may be restarting a clock.

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