Credit score tip

November 21st, 2007 at 07:46am Alex Gary

Troy Redington, the former Webmaster at the Register Star, read my column about credit scores and the fact that a car we paid off three years early was still listed on my credit report as a delinquency six years later.

Troy had a tip that I’ll try. He said he sent a certified letter to the credit agency asking for documented proof of that delinquency. The credit agency will need to find proof and confirm it. If the credit agency can’t within 30 business days, Troy said the item has to be removed from the credit report.

Troy added Thanksgiving to Christmas is a perfect time to do it because people at the agency might not be working as hard with holiday preparations on their minds. Troy, who since has left us towork for FatWallet.com, said he was able to lift his score from a 680 to 750.

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