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I looked at USAA and nothing was removed. So it was probably aging of badies and AAoA. My new credit cards aren't 6 months yet so probably not that. Maybe a little from paying on time.
No telling. Just happy. EQ is my worst score. This almost gets me to 680. I was feeling my scores had stalled. This was an extremely nice surprise after being withou power for over 100 hours and having storm damage my home.
Does EQ give you a named storm adjustment??
No telling. Just happy. EQ is my worst score. This almost gets me to 680. I was feeling my scores had stalled. This was an extremely nice surprise after being withou power for over 100 hours and having storm damage my home.
Does EQ give you a named storm adjustment??
Anyway.... Congrats!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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I didn't have any open credit cards, I had sworn them off. I opened two secured cards and kept only one reporting a balance around 2% UTIL. I paid old charge off. This took utilization from 115% to around 1%.
Removed all collection accounts. I PFD one and paid/GW the other two v
I disputed two old accounts that were not reporting correctly. One was past 7 years and the other had inaccuracies in report. Both were deleted.
Basically went from 10 or 11 bad accounts down to 4. I'm still working on those now (SM student loan x2, Verizon CO and cap1 auto). It's been a lot of work. But gained 110 in EQ in under 3 months v
Removed all collection accounts. I PFD one and paid/GW the other two v
I disputed two old accounts that were not reporting correctly. One was past 7 years and the other had inaccuracies in report. Both were deleted.
Basically went from 10 or 11 bad accounts down to 4. I'm still working on those now (SM student loan x2, Verizon CO and cap1 auto). It's been a lot of work. But gained 110 in EQ in under 3 months v
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