@Anonymous wrote:
Do you have any good open tradelines? If not, that is the reason why you aren't seeing much of a difference.
Bad is bad but you also need some good stuff to push up your score
And if your good accounts are still new, they are also dragging down your score. After 6 months aging of new accounts, your scores will rise alot with new good accounts
People with good accounts that are old and have bad stuff removed are usually the ones that will see a nice jump in score from deletion.
But if all you have is bad + new good accounts, it is still "risky" in the eyes of FICO and your score won't go up much
Good's
BOA Home loan, open (2006),
Student Loans, open (2004)
Chase, open (1995) 40,000 limit Auth user 0% util
(11) Student loans paid as agreed (closed) (1998-2006)
Capital one closed (2005)
Lowes Closed(2005)
OLD NAVY Closed (2005)