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Credit now clean but score isn't moving

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ktl72455
Valued Contributor

Re: Credit now clean but score isn't moving

426MW what else is negative on your CR?  I also had a collection deleted and it was a very old account and I lost some of my AAoA and lost points as well.

 

I have one account with 4 -30day lates 6-60day lates but is 19yrs old and was transfered but I dont want it removed, just the lates removed :-)

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 11 of 12
guiness56
Epic Contributor

Re: Credit now clean but score isn't moving

Collections are never supposed to count toward utilization but for whatever reasons, sometimes they do.

Message 12 of 12
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