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My TU score on CK went up by 25 points so I had to find out why. The collections listed there on MyFICO both had "Date Assigned" as Aug 25, 2011. Normally, collections fall off after 7 years so either the collection agency decided to stop listing it OR I'm going by the wrong date??
You need to go off the date of your first delinquency that led the collection. (DOFD)
http://ficoforums.myfico.com/t5/General-Credit-Topics/DOLA-DOFD-SOL-AHHHH/td-p/13384
I went to another FAKO website (Credit Sesame) and paid $1.99 for an instant score update and the score also jumped. Happy news as TU is my 1st clean CRA in a very long time!!! BK-7 still shows on both EQ and EX but filing date was Aug 7, 2006..... Not too long from now!!!
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |