Comments on: How do I get a bill with a 0 balance off of my credit report? Is it still hurting my score? http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score A blog with information on free credit reports Sun, 20 May 2012 16:58:57 +0000 http://wordpress.org/?v=2.7 hourly 1 By: Garry http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/comment-page-1#comment-1014 Garry Mon, 16 Mar 2009 10:11:28 +0000 http://free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/#comment-1014 <a href="http://kansieo.com/members">Caffeinated Content</a> Hi, I used "Credit Solution" to settle my debt .They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here: Caffeinated Content

Hi,
I used “Credit Solution” to settle my debt .They managed to reduce my debt up to 58%.It’s legitimate.I came accross this company on NBC News Special Edition.Check it out here:

]]> By: Ask M http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/comment-page-1#comment-1013 Ask M Sat, 14 Mar 2009 11:32:29 +0000 http://free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/#comment-1013 <a href="http://kansieo.com/members">Caffeinated Content</a> If they are older than seven years, write a letter to the Credit Bureaus asking for them to be removed. Who told you they were hurting your credit? Caffeinated Content

If they are older than seven years, write a letter to the Credit Bureaus asking for them to be removed. Who told you
they were hurting your credit?

]]> By: Jeff H http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/comment-page-1#comment-1012 Jeff H Wed, 11 Mar 2009 14:49:37 +0000 http://free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/#comment-1012 <a href="http://kansieo.com">Credit Report</a> As long as it was paid on time, it won't hurt your credit score and may have improved it. Your new lender likes to see some credit history. If it bothers you, simply close the paid off account. Then it will fall off your credit report in about 7 years. Most lenders do not pay much attention after about 2 years. Your new lender is only concerned about you paying on time and not making payments late. Their other concern is excessive available credit. Example, you buy a home and have credit at Sears, J C Penney and Home Depot. The new lender wants to be comfortable that you won't overspend at those places after you get your mortgage. They get more nervous if you open a new credit card after your application for the mortgage for the same reasons. Your FICO credit score is determined by: Past payment history 35% Outstanding debt 30% Length of credit history 15% Recent credit applications 10% Types of credit and loans you have 10% Total100% Credit Report

As long as it was paid on time, it won’t hurt your credit score and may have improved it. Your new lender likes to see some credit history. If it bothers you, simply close the paid off account. Then it will fall off your credit report in about 7 years. Most lenders do not pay much attention after about 2 years.

Your new lender is only concerned about you paying on time and not making payments late. Their other concern is excessive available credit. Example, you buy a home and have credit at Sears, J C Penney and Home Depot. The new lender wants to be comfortable that you won’t overspend at those places after you get your mortgage. They get more nervous if you open a new credit card after your application for the mortgage for the same reasons.

Your FICO credit score is determined by:

Past payment history 35%
Outstanding debt 30%
Length of credit history 15%
Recent credit applications 10%
Types of credit and loans you have 10%
Total100%

]]> By: Crazy cat lady >^ ^< http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/comment-page-1#comment-1011 Crazy cat lady >^ ^< Mon, 09 Mar 2009 21:19:12 +0000 http://free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/#comment-1011 <a href="http://kansieo.com/members">Caffeinated Content</a> You should of negotiated a deletion befor payment ..since you did not sorry the time frame will be 7 years Caffeinated Content

You should of negotiated a deletion befor payment ..since you did not sorry the time frame will be 7 years

]]> By: SPIFIMAN1 http://www.free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/comment-page-1#comment-1010 SPIFIMAN1 Mon, 09 Mar 2009 08:20:02 +0000 http://free--credit-report-blog.com/free-credit-reports/how-do-i-get-a-bill-with-a-0-balance-off-of-my-credit-report-is-it-still-hurting-my-score/#comment-1010 <a href="http://mycaffeinatedcontent.com">Website content</a> If they have been paid, they will show a $0 balance and will not hurt your score near as bad as if they showed a balance. There is no way to remove accurate information from your report except time. Website content

If they have been paid, they will show a $0 balance and will not hurt your score near as bad as if they showed a balance.

There is no way to remove accurate information from your report except time.

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