My score has been solid at 633 for a while with EX give it take about 2 points. Today I got an email Fromm experian saying a change was detected on my report and to login to see it.
So I login and see my FICO score jumped from 633 to 653 and I'm thinking what happened so I go over to my alerts section and the only thing it shows is a new address reported notification and I'm thinking how does a new address met you 20 points?!
So I manually review every item on my CR and I notice a Collection account deleted I look up and down and even refresh it was gone! I was so happy I got an email from the CA maybe 3 days ago that said they would be closing the account in their office but that it would take a minimum of 5-30 days to show up as removed and even then I was still skeptical they'd delete it because they gave no real reason for their decision to close the account. Either way I'm happy though for the time being all 3 scores are above 650 for the first time ever!
Last year scores were high 400's/low 500's I would honestly contribute a majority of getting me on my rebuild to my student loans. I have about 13 open and they've been the only positive accounts on my report for the last 3 maybe 4 years while I've been in college I think because the government pays the interest while in college it's shown as a payment which created a really good payment history and aged accounts. When I logged into CK in March I noticed a jump in my score from 400's to 545 and I knew from there I could do it I've read many posts here that gave me the guidance and inspiration to get to where I am and hopefully to 700 within the coming months!
Thanks guys
So I login and see my FICO score jumped from 633 to 653 and I'm thinking what happened so I go over to my alerts section and the only thing it shows is a new address reported notification and I'm thinking how does a new address met you 20 points?!
So I manually review every item on my CR and I notice a Collection account deleted I look up and down and even refresh it was gone! I was so happy I got an email from the CA maybe 3 days ago that said they would be closing the account in their office but that it would take a minimum of 5-30 days to show up as removed and even then I was still skeptical they'd delete it because they gave no real reason for their decision to close the account. Either way I'm happy though for the time being all 3 scores are above 650 for the first time ever!
Last year scores were high 400's/low 500's I would honestly contribute a majority of getting me on my rebuild to my student loans. I have about 13 open and they've been the only positive accounts on my report for the last 3 maybe 4 years while I've been in college I think because the government pays the interest while in college it's shown as a payment which created a really good payment history and aged accounts. When I logged into CK in March I noticed a jump in my score from 400's to 545 and I knew from there I could do it I've read many posts here that gave me the guidance and inspiration to get to where I am and hopefully to 700 within the coming months!
Thanks guys
