@Anonymous wrote:Not sure what kind of boost I will get to my Fico, but today I received my updated report from TU showing that they had deleted a Capital One Charge Off from 2008 6 months early!
CK updated me and showed up 20 points! My AAoA is definitely taking a hit, so I have a feeling that Fico may not be as happy to give me a boost when they update next time. Still great to see another step toward a clean report. I have to wait on EQ and EX a bit longer, but TU only has two baddies left. Next EE letter goes out on May 15 ( 6 months early) for TU, along with my first round to EX and EQ (3 months early)!
Removal of the derog from its utilization effects and the lates themselves overcomes any score loss of AAoA. Do not ever consider keeping a derog reporting account around thats COed just for AAoA purposes.
