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?
- bdancer222Lv 71 decade agoFavorite 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.