Anyone over 612 FICO...

[YMLDC09]

with a Charge Off on all reports? It's from 2009. This is the last derog.
Thanks!

[new_earth]

I have a 624 and it includes one charge off, actually from 2009. The only things that kill my score other than that are 2 collections and a judgement. Just curious why you ask?

[fishbjc]

Yes

[YMLDC09]

I am curious because that is the only major derogatory item as of today. Now I feel like I am going to be stuck in the 500's and low 600's for awhile.

[DiabolicallyRandom]

At one point I was at 701 with a CO and 120 days late. Both around 5 years old.

[ciscofrisco]

I have a charge off 2 years old and a closed credit card frome 3 years ago that has several 90 day lates and a couple 60 day lates score is a 659

[YMLDC09]

Thank you for responding and for giving me some hope!! Much appreciated

[Mondavi]

I still have a collection 6 1/2 years old.  Two paid CO that are 6 1/2 years old and one CO that is not paid that is 5 years old and my EQ score is 702.

15 year oldest account and AAoA 9 years and my Util is at 1% no late payments in 5 years and 1 inquiry.

So hope that helps and this is only on my EQ report from here.

[txmomma26]

I still have 2 paid COs from 2007 left

[YMLDC09]

It does help..a lot!