I just purchased my scores and saw a decrease 
. I am not sure why TU dropped 4 points. The only change I saw when I compared them is that my amount of debt is "very good" and my payment history is good. Before they were "not good".
My EQ dropped 3 points, but I see the collection I disputed disappeared and my car loan was added. 3 points decrease I can handle, hopefully within 6 months of on time payment I will regain that and more.
I was hoping to have at least 1 score in the 700's before the end of the year, but that's ok. Only time can change my short credit history.
TU - 687 10/6/09/ 683 - 11/13/09
EQ 691 10/6/09/ 688 - 11/13/09
EX - 661 8/26/09 (LO pulled
Starting Score: EQ-686 TU 703
@ShowCredit wrote:I just purchased my scores and saw a decrease
My EQ dropped 3 points, but I see the collection I disputed disappeared and my car loan was added. 3 points decrease I can handle, hopefully within 6 months of on time payment I will regain that and more.
I was hoping to have at least 1 score in the 700's before the end of the year, but that's ok. Only time can change my short credit history.
TU - 687 10/6/09/ 683 - 11/13/09
EQ 691 10/6/09/ 688 - 11/13/09
EX - 661 8/26/09 (LO pulled
6 months? Call me overly optimistic but I fully expect you to regain those lost points next month depending on your mix of credit. 
Thank you. I hope so.... That would be great.
. That would be great.
Was the collection that dropped your ONLY collection on the reports???
Mo, yes it was the only collection on my reports
Welcome to the better BUCKET!!! 
It's onward & upward frome here!!!!
Really!!!! That is great.
Last month I applied for a Kohls card and was denied. I called today after pulling the scores for a recon, they told me my Vantage Score was 553!!!! I need to talk to EX to see what is wrong. I won't do that, I'll just let it go. I want to buy a house by June next year, that is my next goal.
@ShowCredit wrote:Really!!!! That is great.
Last month I applied for a Kohls card and was denied. I called today after pulling the scores for a recon, they told me my Vantage Score was 553!!!! I need to talk to EX to see what is wrong. I won't do that, I'll just let it go. I want to buy a house by June next year, that is my next goal.
I don't blame ya!! That's the first time I've ever heard of anyone actually using anything other than a FICO.