Account Review (SP) Question

[AirlinerDudeB6]

What information does a CCC "see" when they do an account review on your credit report? 

Reason I ask is, I recently had my last baddie (judgment) fall off my reports and my score shot up 58 points on EX to a 731 and up 61 to 758 on TU

I'm curious if any of my CCC's will notice that my reports are now spotless, or if they only really care about utilization and details pertaining to your other open accounts.

[mongstradamus]

---

@AirlinerDudeB6 wrote:

What information does a CCC "see" when they do an account review on your credit report? 

Reason I ask is, I recently had my last baddie (judgment) fall off my reports and my score shot up 58 points on EX to a 731 and up 61 to 758 on TU

I'm curious if any of my CCC's will notice that my reports are now spotless, or if they only really care about utilization and details pertaining to your other open accounts.

---

I think ymmv with CCC, my reports are nearly as clean as i can get them for right now. When i applied for my discover IT i was under 700 , not i am an bit north of 800 , but they still haven't bothered to give me an sp cli. They sp me every single month so they should know of my fico score changes. 

[takeshi74]

---

@AirlinerDudeB6 wrote:

What information does a CCC "see" when they do an account review on your credit report?  

---

What's on your reports is what's on your reports.  They don't really see a different version.  The only exception is that they don't see SP's.

---

@AirlinerDudeB6 wrote:

I'm curious if any of my CCC's will notice that my reports are now spotless, or if they only really care about utilization and details pertaining to your other open accounts.

---

Everything matters.  Derogs are part of your payment history and payment history is the biggest slice:

http://www.myfico.com/crediteducation/whatsinyourscore.aspx