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But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether itโs within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: about 3 years ago
I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: over 3 years ago
Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: over 3 years ago
So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: over 3 years ago
I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: over 3 years ago
Credit Karma - Receive your free credit score instantly and review your real credit report online.
Experian - Your credit report, FICO Score, and more. All free.
myFICO - myFICO offers credit reporting and monitoring solutions.
Loan Shark AI - Never sign a bad loan again! Loan Shark AI exposes hidden fees, predatory terms, and fine print in loan documents using advanced AI analysis. Protect yourself from bad lending practices.
Credit Card Number Generator - Generate valid test credit card numbers.
Credit Card Generator - Credit Card Generator is a website that lets you generate dummy credit card numbers and other info like name, CVV, expiry & issue date, country, and address.