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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: AU account on EQ and TU

It was negative in that it read bad debt/collection, but it listed a zero balance, chargeoff/sold, but there was no CA reporting, just OC. The SW scenario simulator didn't give an option to pay that account or simulate payment, so don't know how it'd affect score.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: AU account on EQ and TU

I would guess you will see some score increase.  Since it was a CO'd AU account getting it off your report should help.

Contributor
bearsfan34
Posts: 103
Registered: ‎03-15-2011

Re: AU account on EQ and TU

Could you let us know since you did delete it if your score goes up or goes down. It was your oldest TL right?


Starting Score: 557 2/12
Current Score: 664 EQ 681 TU
Goal Score: 710


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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: AU account on EQ and TU

I disputed on EQ, EQ has stated it's been deleted, but I've seen no alert on SW as of yet. I was told I set my target score too high, so I might not get it. If it doesn't alert me by tomorrow, I will buy a new report at 30% off before I decide on if I'm keeping/canceling the SW service.

After that I will purchase my TU report and score, and do the same there.

I will definitely update though, so stay posted!

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: AU account on EQ and TU


bearsfan34 wrote:

Could you let us know since you did delete it if your score goes up or goes down. It was your oldest TL right?



bearsfan34,

 

My score had a nice jump! It did drop my AAoA from 2 years to 1, but my payment history went from good to great on the scorewatch report. I am ecstatic right now. Time to get to work on TU, and now I want to become a member of PSECU for EX as well.  My EQ is set, no bads, just gotta build/garden. I will continue to update, but I may make another thread.


Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Contributor
bearsfan34
Posts: 103
Registered: ‎03-15-2011

Re: AU account on EQ and TU

Congrats!!!! I am considering doing the same but was worried with my history getting cut short. It is the worst thing on my report. Thanks for the update!

Starting Score: 557 2/12
Current Score: 664 EQ 681 TU
Goal Score: 710


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Community Leader
Valued Contributor
-Cain-
Posts: 1,283
Registered: ‎04-06-2011

Re: AU account on EQ and TU

The tradeoff in AAoA vs the negative was definitely worth it for me. I am too new to the boards to recommend doing it, but it worked out great for me. Maybe one of the vets can chime in.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


Take the FICO Fitness Challenge


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