Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 332
Registered: ‎04-04-2012
0 Kudos

Credit One Success!

[ Edited ]

I logged into credit karma this morning and noticed my FAKO went up by 18 points.  So, I then logged into my TU & Equifax credit monitoring and noticed that Credit One completely removed the account.  This was an account that was IIB, but was sold just prior to filing BK so it was reporting negatively on my CR.  Time to cancel the credit monitoring, save the money and sit back and watch my score go up...until it's time to apply for a mortgage!


Thank you, myFICO!  I couldn't have done it without this site!  I've learned so much and learn more all the time!

Valued Contributor
Posts: 1,179
Registered: ‎05-20-2010
0 Kudos

Re: Credit One Success!

Awesome, congrats!

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0 Kudos

Re: Credit One Success!

Fantastic, good job! Congrats.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: Credit One Success!


Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Posts: 77
Registered: ‎07-12-2011
0 Kudos

Re: Credit One Success!

congrats!  and thanks for you help!  Credit one called me yesterday and said they would be removing as well! 

Frequent Contributor
Posts: 347
Registered: ‎09-16-2007
0 Kudos

Re: Credit One Success!

My wife just had success with them too, and it's perfect timing since we're applying for a mortgage early next year and it was her last major delinquency (now she just has two 30 day lates from 5-6 years ago).  I know it's not FICO, but her vantagescore is 760 and credit karma shows 755.


Our situation was a little weird because her account was closed in 2005, but she made payments after it was closed so her DOFD was 2006.  Equifax/Experian were saying it would be removed next August.  We emailed Credit One to ask when it will be removed, since it was closed more than 7 years ago.  Sure enough, we checked this morning and the entry was gone!  I guess they were willing to delete based on the closing date, not based on the DOFD.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0 Kudos

Re: Credit One Success!


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.