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Contributor
wolf69
Posts: 75
Registered: ‎07-13-2007
0

up over 90 points on equifax

I could believe it!!! I got a scorewatch telling me that something changed on my credit report. I checked seen that I paid off a past collections from Captil One credit card and my score when up from 456 to 548. Iam SOOOOOOOOOO HAPPY its finally paying off. I love this web site everyone here has really pointed me in the right direction and thats UP:smileyvery-happy::smileyvery-happy:
thanks to all.
 
Frequent Contributor
flygirl
Posts: 440
Registered: ‎06-11-2007
0

Re: up over 90 points on equifax

Super Duper Job!!!
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: up over 90 points on equifax

Keep up the good work
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: up over 90 points on equifax

Way to go!  It feels so good to finally get a handle on your finances, doesn't it?
Established Contributor
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: up over 90 points on equifax



wolf69 wrote:
I could believe it!!! I got a scorewatch telling me that something changed on my credit report. I checked seen that I paid off a past collections from Captil One credit card and my score when up from 456 to 548. Iam SOOOOOOOOOO HAPPY its finally paying off. I love this web site everyone here has really pointed me in the right direction and thats UP:smileyvery-happy::smileyvery-happy:
thanks to all.
 


Hold the phone!
You plaid off a collection and you got 90pts??!!
Don't get me wrong I'm super excited for you, but it defies reason a bit.
 
Did they delete all record of the collections as well?
Was the account charged off?
Who was reporting  the account?
 
Sorry for the questions, but I'm trying to wrap my mind around what you're saying.
 
But CONGRATS!!!:smileyhappy:
New Contributor
adamkingadam
Posts: 58
Registered: ‎07-13-2007
0

Re: up over 90 points on equifax

[ Edited ]
nice one!
 
my eq has been stuck at 577 for the longest time yet the other 2 continue to rise, does anyone else have this problem?


Message Edited by adamkingadam on 07-26-2007 12:55 PM
Super Contributor
MidnightVoice
Posts: 8,158
Registered: ‎03-25-2007
0

Re: up over 90 points on equifax

In 3 months I have driven my EQ and TU scores up by 100 points each.  My EX has gone down 8 points in that time  :smileysad:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Established Contributor
bamf70
Posts: 677
Registered: ‎05-31-2007
0

Re: up over 90 points on equifax


trinigal wrote:


wolf69 wrote:
I could believe it!!! I got a scorewatch telling me that something changed on my credit report. I checked seen that I paid off a past collections from Captil One credit card and my score when up from 456 to 548. Iam SOOOOOOOOOO HAPPY its finally paying off. I love this web site everyone here has really pointed me in the right direction and thats UP:smileyvery-happy::smileyvery-happy:
thanks to all.


Hold the phone!
You plaid off a collection and you got 90pts??!!
Don't get me wrong I'm super excited for you, but it defies reason a bit.
Did they delete all record of the collections as well?
Was the account charged off?
Who was reporting the account?
Sorry for the questions, but I'm trying to wrap my mind around what you're saying.
But CONGRATS!!!:smileyhappy:





It doesn't defy reason at all actually. Crap 1 is famous for keeping the bad card on your report with no limit listed so it looks like your utilization is maxed out. To me this is very wrong and probably illegal. When I paid 2 accounts that showed over $2500 my scores shot WAY up. I would also think that 90pts in the 400-500 range is easier to believe than 90pts at 600 or 650.

No matter, congrats to you OP. My EQ scores are up almost 100pts from 550 in Jan. Keep it up and you will be happy you did.
Established Contributor
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: up over 90 points on equifax



bamf70 wrote:
It doesn't defy reason at all actually. Crap 1 is famous for keeping the bad card on your report with no limit listed so it looks like your utilization is maxed out. To me this is very wrong and probably illegal. When I paid 2 accounts that showed over $2500 my scores shot WAY up. I would also think that 90pts in the 400-500 range is easier to believe than 90pts at 600 or 650.

No matter, congrats to you OP. My EQ scores are up almost 100pts from 550 in Jan. Keep it up and you will be happy you did.

Except that he's saying this was a collection account.  I thought paying collections did not affect your score and if it did the increase wasn't 90pt.
 
As I said, I'm waaaay happy, I just want to try to wrap my mind around (as understanding is an impossibility) what could have transpired.
Established Contributor
bamf70
Posts: 677
Registered: ‎05-31-2007
0

Re: up over 90 points on equifax

[ Edited ]

trinigal wrote:

bamf70 wrote: It doesn't defy reason at all actually. Crap 1 is famous for keeping the bad card on your report with no limit listed so it looks like your utilization is maxed out. To me this is very wrong and probably illegal. When I paid 2 accounts that showed over $2500 my scores shot WAY up. I would also think that 90pts in the 400-500 range is easier to believe than 90pts at 600 or 650. No matter, congrats to you OP. My EQ scores are up almost 100pts from 550 in Jan. Keep it up and you will be happy you did.
Except that he's saying this was a collection account. I thought paying collections did not affect your score and if it did the increase wasn't 90pt.
As I said, I'm waaaay happy, I just want to try to wrap my mind around (as understanding is an impossibility) what could have transpired.

Mine were collections as well. Crap 1 was nice enough to let them accrue interest every month for 4 years, show the accounts as closed and report no credit limit yet have a CA try to collect for both of my cards. This put my utilization at something like 200%. Lovely company....I can't wait until I can get more credit with them :eek

Message Edited by bamf70 on 07-26-2007 01:18 PM

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