Buckets and collections and CO's (oh my)

[GFer]

You have scores like that with a major derog?  One wouldn't that would be possible. (I'm glad it is, though!)

I will have most of my derogatory items off in 2009, but the last few are stuck with me till 2015! (That is looong time!)

The tu simulator says I can reach 740's in two years. Of course EQ doesn't!

[Anonymous]

This is all very encouraging as I have one derog left to go on Efx and am at 700+ anyway, ditto Experian (different ones).  I'd imagine being in low 700s WITH a single CO and then losing that CO would rocket you up.  On Experian all three 'Negatives' in my overview are connected to my CO.

Hoping to get a nice 30-40 point bump from that.

[marty56]

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@GFer wrote:

You have scores like that with a major derog?  One wouldn't that would be possible. (I'm glad it is, though!)

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If you were rerering to my post I meant I was a 39.  My major derog was a 120 day late that is 3 years old.

EQ smacks me for it by TU and EX not so much.  My util is 0% to 1% these days and I have a long credit history which probably helpes my scores.  I may also be getting some benefits from being in the major derog score bucket and not having the typical profile of someone who is in it.

[GFer]

Even still Marty, this gives me hope!

I was thinking I couldn't even make 700 for at least 3 years!