Judgement (3 years old) was removed and now it has been about 3-4 weeks that it has been removed and no score change in Experian and Transunion. On the these two I still have a paid $100 parking ticket collection(showing not paid), and maybe the reason that it didn't go up at all. This collection is 5.5 years old, and the only baddie in my report. My EQ jumped up 68 points as soon as it was removed from my report. Help me understand why no score raise.
I have the following:
- FIco says I have 3 inquiries on all 3 reports, but I guess older than 1 year old are not included as I have some that are older.
-Low utilization ~1%, but did carry that balance on two cards due to bad timing
- AAoA is 4 years
- 6 new accounts since July, 5 of them being credit cards, and 1 of them a rebuilder loan from CU (currently ~$650 balance of $1000). I have a hunch that my new accounts are keeping me back until they have aged, but not this much I would think. The FICO 3B report tells me that new credit is "Not Good".
-Credit history is 11 years
- The scores I have in my signature are from FICO and have the monthly monitoring.
I have called to ask for a GW over the phone, but was told that they don't remove. Next, will be a letter and will keep sending that over and over until they give up. I am also risking of the update of the collection making it recent.
