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Depressed, lost about 50 points

New Contributor

Depressed, lost about 50 points

In september, my EQ fico was in the 660 and Transunion was in 680 ish. i had a 5 year old kohls charge that had a balance. i thought by paying it i will probably gain some

points due to high utilization (219/100). settled and paid. Once the account reported, CB changed payment history and auto populated the last couple years with charge offs.

 

i am again now in the low 610-620s.

Anyone got contact for KOHLS executive department. please pm me.

 

i will appreciate any input.

 

Thanks


Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge
2 REPLIES
Moderator Emeritus

Re: Depressed, lost about 50 points

Where did you get that score from?  It might not be as bad as you think, plus it's paid/gone.  Get that GW going, hopefully someone will chime in with a good contact.  Good Luck!

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.
New Contributor

Re: Depressed, lost about 50 points

That's SW fico alert and my fico transu.

Starting Score: 598
Current Score: Trans union fico 713 (myfico 11/1/2012), EQ fico 671, exp 666 by AMEX
Goal Score: 720 across

In my wallet: GE/walmart at $10500, 2 capital ones at $750 each, Elan financial at $400, Amex BCP-$1000, AMEX Gold Delta at $2500, Discover more at $6,000 and Chase freedom at $3000

Take the FICO Fitness Challenge