VERY SUCCESSFUL CLEANING UP MY CREDIT

[Anonymous]

Hello Guys,

A month ago, I started cleaning up my credit... calling the CC companies, bureaus and even the CA, though I hate dealing with them.

I managed to removed  (early exclusion)1 charge off account (Cap. one)  from my three bureaus also a collection account was removed from Trans and Experian.

I have  nothing on my credit report except for BOA charged off  on all three bureaus( $955) that is due to fall off 02/2016.   I also have on my equifax a collection acct that is due to fall off 11/2015 .

This is my credit score at the moment      equi 644  trans 635 exp 637.

My question is how much of a score raise should I be expecting after everything fall off next year?

I am trying to buy a house next year in around this time.

Thank you so much!!!

[CreditOCDinCali]

Congrats! Especially on the Capital One account. I've tried to get them to remove something and they will not budge. Glad it worked it out for you!

[Anonymous]

Depends on what you have for current active credit lines.

[Anonymous]

It depends on the overall package in your credit.  You need to have credit history to add to those baddies falling off.

Good luck!