05-14-2011 01:18 PM
Centerpoint Energy came off of TU report finally! Nice increase for me and TU WUZ my lowest score, not anymore! This was a new account that showed up in February, I paid it off after it went to collections but I GW letter and it immediately came off EX & EQ but TU was taking forever so i sent them a Dispute via mail with my letter from OC saying I owed no balance & they were deleting from all 3 CRA's.
600's here I come!
05-14-2011 07:06 PM - edited 05-14-2011 07:30 PM
It wasnt very old (2011) so that could be the reason for the nice increase. I did use the simulator and it predicted an increase. On another account I have that I can have removed becuase I dont think its mine, well the simultor showed I'd get a decrease in points so I've just left it alone for now. But I think that has to do with the age of the account, it was opened in 2004 and if I delete it then it changes my credit age average or whatever that's called.
I use a simulator before deleting any accounts, but if its a collection I'd like to get those removed unless they are about to fall off.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO