uhh go appeal it?Repost from the Rustled thread. Thought someone might have some insignt. The only reason I am concerned as mentioned in the other thread I do up to year long consulting contracts and normally rent a house for up to a year and most rentals now are with an agency which checks credit. I once offered to pay a years rent in advance in cash and they said they didn't want any drug dealers in the house lol.
Is it on the credit report score for 7 years now? I haven't financed anything in probably almost 20 years. I do very well income wise and I live like someone who makes 1/4th of what I make.
In April my credit score was 805. I have no payments other than my normal credit card usage. I have one credit card. No other bills outside of that other than utilities and property tax etc.. I own my two homes outright with no mortage. I own my two vehicles outright. I mostly use the credit card for purchases that are more than the maximum debit card limit in a 24 hour period etc...
I got sick and didn't have anyone with a power of attorney. Due to the brain swelling while being sick I really was of right mind to put it shortly. I had a $137 bill from the hospital I was in due to the problem. After 60 days that single bill went to collections.
Now my credit is 635 due to a collection which says on my credit 7 years and my lack of other outstanding credit because I pay cash for everything.