Ugh 
I've been working hard since the first of the year to clean up my credit. I've gotten a couple erroneous entries removed, have new secured cards with Discover, Citibank, and BOA that I'm using responsibly, and am campaigning for PFD's for my last two baddies. My scores-until this morning-were Eq 602, TU 597, Ex 587. I woke up to alerts saying a judgement that was paid off in Nov 16 was just added to my TU reports resulting in 20 pt drops in scores. So bummed. I guess I'm back to the drawing board, hope I can find an error with reporting so I can get it removed. I'm really feeling like this was a giant step backwards. Anyone else have these kind of potholes in their recovery process?
I've been working hard since the first of the year to clean up my credit. I've gotten a couple erroneous entries removed, have new secured cards with Discover, Citibank, and BOA that I'm using responsibly, and am campaigning for PFD's for my last two baddies. My scores-until this morning-were Eq 602, TU 597, Ex 587. I woke up to alerts saying a judgement that was paid off in Nov 16 was just added to my TU reports resulting in 20 pt drops in scores. So bummed. I guess I'm back to the drawing board, hope I can find an error with reporting so I can get it removed. I'm really feeling like this was a giant step backwards. Anyone else have these kind of potholes in their recovery process?
Not sure if this helps but I wanted to share with you that it took close to 4yrs to get my credit cleaned up to the point that it is and it is still not 100% clean. Early on I took two steps forward and 3 steps back also but continued to grind and still grinding. Don't loose your momentum...credit rebuilding is a crazy game of endurance...endurance that you have already proven to yourself that you have. Followup on this and do what you need to do. It will def workout if you out if you do the work...good luck and keep grinding..