Does the credit bureau really make up the FICO score or the loan officer and why I get a recorder on the phone?

And why they put information form tens, then it take tens years to get it off?

2 Answers

  • 1 decade ago
    Favorite Answer

    Creditors pay membership fees to belong to credit bureaus. When they call or fax to get a credit report with a FICO score, they pay for that.

    You get a recording because you are not a business that is a member of the credit bureau. If you do get a person on the phone, they probably won't be able to help you. They pretty much just take messages.

    Derogatory items age off your credit report 7-1/2 years from the date of first delinquency. Nothing restarts that clock. If you have items older, send the credit bureau a dispute.

  • npk
    Lv 7
    1 decade ago

    Loan officers do not "make up credit scores." See here:

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