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Monthly Archives: December 2015


Derogatory Age and Your Credit Score.


Credit reports contain hundreds of bits of information that factor into your credit scores.  The obvious are balances on credit cards, payment history, mixture of credit, hard inquiries, and how old your credit accounts are.

But there’s a key element that you may not be aware of, it’s the dates reported.

Here’s an example, a collection account is reported to your credit report and that date is listed as “date open”.  There’s also another date recorded and that’s the “date last reported” or what I like to call “re-aged”.  This will be the last time that this collection company has sent account information to the credit bureuas.  This “activity” is noted and your credit scores are kept low as a result.  The credit scoring models note this as a recently reported derogatory.

There are also instances where a collection is “dormant” where as it’s not been re-aged in some time.  Should you pay a dormant collection, it will lower your credit scores.  If the account has recently been re-aged it will now lower your scores.

Most online credit reports show a 24 month payment history below the account.  If you see within that 24 month payment history a “KD”, then that will let you know the last time the account was re-aged.  This is a “key derogatory”.

For more information on which collections to pay, and which to leave alone along with other deletion strategies call me direct at 949-505-9971 or email me at jason@rapidrescorecredit.com .

Jason Hall

President and Certified Credit Expert

Direct- 949.505.9971

Mobile- 808.633.5023

Fax- 866.567.8054



Rapid Rescore and Credit Repair Results

We’ve designed the best way to raise a credit score in a very short amount of time.  Most are skeptical but nothing speaks volumes like results.

Below you can see the results of our process.  We started this client on 11/3/2015 and just updated his credit report on 12/11/2015.  As you can see his scores were 589, 586, 586.  His scores are now 730, 730, 734 which boosted his scores 141, 144, and 148 points.



The proof in our process are in the results.  Many credit repair companies can take months if not years to see these kind of results, all the while they charge you monthly fees.  All of our clients need fast results and we deliver.

If you or anyone you know needs help raising their credit scores quickly and need honest and specific direction on how we can help, please contact me direct at 949-505-9971 or visit our website at www.rapidrescorecredit.com


Jason Hall

5 Star Ratings and Reviews

All reviews listed on Zillow.com where I’ve helped many people purchase a new home with my credit score advice.  Contact me direct for a free credit report review and consultation.  Jason@rapidrescorecredit.com or call 949-505-9971

Jason Hall - Real Estate Agent in Makawao, HI - Reviews  Zillow - Google Chrome 1292015 43955 AM

Jason Hall - Real Estate Agent in Makawao, HI - Reviews  Zillow - Google Chrome 1292015 44130 AMJason Hall - Real Estate Agent in Makawao, HI - Reviews  Zillow - Google Chrome 1292015 44223 AM