FICO math - 585 minus 6 equals 795

[Anonymous]

Take a FICO 8 score of 585 (December 2016) and subtract all 6 Charge offs and I ended up with a FICO score of 795. This is TU. All 6 chargeoffs are gone. Now waiting of EXP and EFX. EXP gave me 95 points on the dispute of the Chargeoffs, EFX hasn't moved with the dispute.

Now my TU consists of one credit card open and satisfactory, 6 credit cards closed paid satisfactory, 2 car loans closed paid satisfactory and a mortgage closed paid satisfactory.

[taekwon]

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@Anonymous wrote:

Take a FICO 8 score of 585 (December 2016) and subtract all 6 Charge offs and I ended up with a FICO score of 795. This is TU. All 6 chargeoffs are gone. Now waiting of EXP and EFX. EXP gave me 95 points on the dispute of the Chargeoffs, EFX hasn't moved with the dispute.

Now my TU consists of one credit card open and satisfactory, 6 credit cards closed paid satisfactory, 2 car loans closed paid satisfactory and a mortgage closed paid satisfactory.

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Wow! That's a nice jump in score. Congrats!

[Anonymous]

That's great! Nice work cleaning up your report.

[elim]

5 more points to 800  :]   congrats... you move fast!

[Gidgetmom]

Congrats!  Good job!

[Anonymous]

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@Anonymous wrote:

Take a FICO 8 score of 585 (December 2016) and subtract all 6 Charge offs and I ended up with a FICO score of 795. This is TU. All 6 chargeoffs are gone. Now waiting of EXP and EFX. EXP gave me 95 points on the dispute of the Chargeoffs, EFX hasn't moved with the dispute.

Now my TU consists of one credit card open and satisfactory, 6 credit cards closed paid satisfactory, 2 car loans closed paid satisfactory and a mortgage closed paid satisfactory.

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Congrats on everything falling off!

[Anonymous]

What was ypu dispute for the charge off? How did you get them removed?

[Anonymous]

Not mine - 6 yrs, 10 months from Date of First Delinquency. I suspect it was an EE.