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I had 5 baddies that got dropped off (7year mark) and my score dropped from 682 to 585.. whaaaahhH!! Is it because of those baddies since nothing else have changed other than the negatives accounts aged out.
I have 3 current accounts that are in good standing. What else can I do to regain my score back up?
Please advise.
The bad accounts that fell off were way too old to be negatively affecting your scores. They were however helping your score by giving your file more depth of History. I have not seen your files, but would lend a guess that they desperatley need new good info. Immediate good is available with revolving at correct balances. It is a silly system, but if revolving is what it wants....revolving is what will help.