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!
Congratulations, it gives me hope!
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.