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Yea! When I got the alert from myFICO, I was hoping for a big score increase, but boy was I surprised! From AFNI/Verizon deleting!? OK..... I though it was going to be from me lowering my cc util down to 0% or maybe reflecting some other new accounts adding in. I guess I still have those and more to look forward to (like the judgement I hope will be coming off very soon) thanks to this place and you's peoples!!!!
Congratulations, Your Majesty! I also got a nice score bump when I paid down everything to zero or close to it (windfall), and I've added a teeny bit of utilization across the board this month. By the 6th, my score had jumped 34 points! The hated and strongly-contested 30-day late now shows "paid as agreed." Not sure whether that alone is the deal, but I expect another bump around mid-month as eveything reports in. I'm trying to stay below 7% UTIL. Also, I have a ton of inquiries and one old debt falling off nearly every month this year.
Keep on truckin'!
Thanks poet! My first major score increase.
I wonder how much longer it will be until I get the alert that my score went up from util going from 54% down to 0%???
I PIF on Jan. 21........