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RE: credit report is poor

Postby kf.escalante » Mon Jul 23, 2012 09:45:37 AM

ohh ok. I payed two weeks ago and the other part in August. gees I guess I will have to wait to clear this up in 6 years then...=(

Thanks for your time and for reading me!
Karla Escalante
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RE: credit report is poor

Postby TJ.brooks » Mon Jul 23, 2012 09:40:25 AM

when did you pay?
What about equifax....even if Tranunion gets cleared up...which is very unlikey Equifax will still reports.

You also should have had that promise in writing.
It is not up to the collection agency to clear reports only the party who placed it which would have been Rogers could and they just don't...unless it was an error.
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RE: credit report is poor

Postby kf.escalante » Mon Jul 23, 2012 08:56:39 AM

Honestly (this is sooo embarrassing) I couldnt pay rogers in 2008 and then I got a telus in 2008-2009 and I couldnt keep paying, I lost my job at that time. so now that I want to clear my report I'm the one contacting and trying to solve this in order to have better credit =(

I payed rogers already and they told me they (well was actually global) will send a letter to trans union to clear it up. I still need to contact CVB? to solve things with telus..but I dont have that much money to cover the whole thing..=(

Karla Escalante
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RE: credit report is poor

Postby TJ.brooks » Mon Jul 23, 2012 08:45:10 AM

Don't hold yout breath.
How long ago was that?
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RE: credit report is poor

Postby kf.escalante » Mon Jul 23, 2012 08:24:04 AM

Thanks for your help!! Also when i payed the guy told me that they will send a letter to Transunion to clean up my report?? and to me as payed.
Karla Escalante
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Joined: Mon Jul 23, 2012 07:39:50 AM
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RE: credit report is poor

Postby TJ.brooks » Mon Jul 23, 2012 08:04:00 AM

At this point...you can not. Both Telus and Rogers will remain an r9 for six years from the last activity date listed.
After 6 years they will fall off your report and then you can start rebuilding. Even if you paid it off completely now it would make no difference other then your report would then indicate them as paid.
You would still have the 2 R9's...the worst, listed.
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credit report is poor

Postby kf.escalante » Mon Jul 23, 2012 07:44:19 AM

Hi-I just checked my credit report and is poor...I had a debt with rogers which I payed and telus. my summary says I owe 1957dls. How can I decrease the amount owed with telus so I can improve my credit score? How long does it take to clear up?
Thanks!
Karla Escalante
kf.escalante
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Posts: 4
Joined: Mon Jul 23, 2012 07:39:50 AM
Province: ON


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