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Reaged Account

Regular Contributor

Re: Reaged Account

jandj: There are some other underlying factors that I feel may be contributing a bad image in my part. Mainly the utilization is a bit high between my defaulted credit card (from 2006) that is still on my report, scheduled to drop early 2014, and the current card I have now only having a reasonable credit limit. Unfortunately, I don't believe I'd be able to get approved, but it's always worth a try.

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


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Message 31 of 35
Highlighted
Regular Contributor

Re: Reaged Account

Any idea why the investigation of this account may have made my Experian score drop to 591 from 611?

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


Take the FICO Fitness Challenge
Message 32 of 35
Moderator Emeritus

Re: Reaged Account

While in dispute, certain aspects of the debt aren't factored in.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 33 of 35
Regular Contributor

Re: Reaged Account

Shogun, any chance that the score will go back up at the conclusion of the investigation next week, and the account is removed?

My Wallet: WF College Card ($1.7k); GE Wal-Mart ($1.3k); GE Amazon ($1.9k); Chase Freedom ($1k); Citi Simplicity ($2k); Discover IT ($2k); CareCredit ($1.5k); GE Lowes ($2.5k) -- In The Garden 'Til 08/2014

Current Scores: EQ 716; TU 683; EX: 709; TU(08): 723 - As of April 21, 2014
Goal Score: 700 Across the Board (TU, EQ, EX)


Take the FICO Fitness Challenge
Message 34 of 35
Moderator Emeritus

Re: Reaged Account

Possibility?  Yes, but then again if it was adding to AAoA and will be deleted, then it could go down.  But that's not bad either, another baddie gone and your CR cleaner is a good thing.  The cleaner the report, the more your score can grow.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 35 of 35