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Score dropped over 150 Points in less than a month

kq
New Member

Re: Score dropped over 150 Points in less than a month

It went up to 630.

 

Any suggestions on how to approach old debt.

 

Here is what I am thinking.

 

Try to get pay for delete on the youngest ones first and work my way back to the older ones.

 

If my vaugue understanding of the system is correct the newer they are the more weight they have.

 

 

Message 11 of 13
Moderator

Re: Score dropped over 150 Points in less than a month


kq wrote:

It went up to 630.

 

Any suggestions on how to approach old debt.

 

Here is what I am thinking.

 

Try to get pay for delete on the youngest ones first and work my way back to the older ones.

 

If my vaugue understanding of the system is correct the newer they are the more weight they have.

 

 


That's generally accurate for everyone regardless of score.

 

What you suggest is how I'd approach things for trying to improve score.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 12 of 13
Frequent Contributor

Re: Score dropped over 150 Points in less than a month

The date reported has absolutely nothing to do with anything regarding the fall off date.  It may fall off tomorrow.  The clock starts ticking on the DOFD with the OC, not the date when a CA first reports it.    ...I had a charge-off in 2007...sold to a CA...that CA didn't report til 2009.  That Collection has already fallen off my report as of 01/14 (12/13 due to EX deleting early)

(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)


Message 13 of 13