@corymcd88 wrote:
Should I just wait the time for removal?
I'd suggest hitting the Rebuilding subforum and seeing what you can do about the derogs.
@chrisw1968uk wrote:
Im wondering about the big different in your EQ Fico's between MyFico and PenFed - They are both EQ Fico's right? weird
It's not just a matter of FICO and the CRA used. It's also a matter of the specific scoring model used. myFICO provides 08 scores. PenFed uses the NextGen model which doesn't even have the same scoring range. There's a sticky in the Understanding FICO Scoring subforum that addresses the large of number of different FICO models used by creditors.
@lg8302ch wrote:
When did you try last? What is your AAoA? How many of your accounts are less than 1 year old? When I tried to CLI and spoke to an analyst Discover was very concerned about my many new accounts and the massive increase of CL within 1 year. My success was after 15 months and a cut of opening new accounts. Good luck!
Impact can vary by credit profile. When I recevied my Discover and when I got my CLI's on my it I had a number of new accounts (10 less than a year old) and several CLI's as well.
