@CreditOCDinCali wrote:
what can I do to get back up?
Why are you worried about them? Which of your creditors or creditor you intend to app with actually use VantageScores?
Focus on the data in your reports versus specific numbers. Good reports will lead to good scores.
@CreditOCDinCali wrote:
and even multiple times per month.
Unfortunately, number of payments doesn't really matter. It's the reported balances that matter. If you need/want to make multiple payments that's fine. Just don't expect your score to increase as a result.
See also:
http://www.myfico.com/crediteducation/whatsinyourscore.aspx
@CreditOCDinCali wrote:
The first time 2 student loan accounts closed and we're removed so that lowered my aoc d e 26 points
"Aoc de"? Closed accounts do not reduce your AAoA. However, closed installments tend to have a bit of a hit.
@CreditOCDinCali wrote:
now 2 medical bills I disputed are now showing as closed collections and my score is now in the 550's. I was so close to 600. Now this :-(
That is unforunate but you do have to carefully research before taking action on derogs as you can make matters worse as you have experienced. Those derogs will hold you down and have a major impact (they're killing your Payment History, the biggest slice above) so you need to see what you can do to get them removed.
