http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1620960#M66577 <p>Got a SW update today. My recent GW letter worked, removing an account that was reporting 9 months of up to 150 days late in 2007. I was SO excited that I was finally going to be in the 700 club.  It was worth a whopping 3 points, bringing me to 697.  Granted, I may have been rebucketed, but I do still have 2x 60 and a handful of 30s from that same time period.  Util didn't change any, nothing else did.  BTW, util is at 22%, so I know when that comes down after the statement cuts next week, it should be enough to bump me over 700, but sheesh, what does it take???</p> Tue, 02 Oct 2012 18:45:34 GMT thankfulheart 2012-10-02T18:45:34Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1620960#M66577 <p>Got a SW update today. My recent GW letter worked, removing an account that was reporting 9 months of up to 150 days late in 2007. I was SO excited that I was finally going to be in the 700 club.  It was worth a whopping 3 points, bringing me to 697.  Granted, I may have been rebucketed, but I do still have 2x 60 and a handful of 30s from that same time period.  Util didn't change any, nothing else did.  BTW, util is at 22%, so I know when that comes down after the statement cuts next week, it should be enough to bump me over 700, but sheesh, what does it take???</p> Tue, 02 Oct 2012 18:45:34 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1620960#M66577 thankfulheart 2012-10-02T18:45:34Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1620986#M66578 <p>How old was the account in relation to your AAoA? In other words, could AAoA have dropped as a result of the loss of history? For example, maybe you gained 20 for the dropped baddie, but lost 17 due to impact in history thereby resulting in a net gain of 3 (with everything else being equal).</p> Tue, 02 Oct 2012 18:50:49 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1620986#M66578 llecs 2012-10-02T18:50:49Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1621600#M66585 <p>I know, but any baddie removed is a good thing, now your score can grow.</p> Tue, 02 Oct 2012 22:26:19 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1621600#M66585 Shogun 2012-10-02T22:26:19Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1625666#M66628 <blockquote><hr>llecs wrote:<br><p>How old was the account in relation to your AAoA? In other words, could AAoA have dropped as a result of the loss of history? For example, maybe you gained 20 for the dropped baddie, but lost 17 due to impact in history thereby resulting in a net gain of 3 (with everything else being equal).</p><hr></blockquote><p>OK, so I went back to research this and my AAoA dropped by .2 years, so from 5.2 to 5 on EQ and 4.8 to 4.6 on TU/EX (according to USAA CMS). I wouldn't think that would matter all that much in the scheme of things.  I'm hoping to get my util down next week and see what kind of bump that gets me.  I pulled TU from here today and at least it was 726!!! woo-hoo!</p> Thu, 04 Oct 2012 21:39:17 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1625666#M66628 thankfulheart 2012-10-04T21:39:17Z http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1635010#M66773 Just keep doing what you are doing and you will get there!! Wed, 10 Oct 2012 05:15:30 GMT http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/I-ve-decided-quot-understanding-FICO-quot-is-an-oxymoron/m-p/1635010#M66773 Booner72 2012-10-10T05:15:30Z