I recently had some GREAT news so here it is.
A short summary:
6/2013
$15,000.00 cc debt.I started to pay it back.
1/2015
Myfico 8 TU Credit Report Score 631
1-Med collection
2-1 30 days late,3 60 days late on Chase cc from 2013
3-UTL 67%
4/2015
I disputed medical collection from 2013 that does not
belong to me and was deleted from TU cr but
remains on EQ and EX cr's.
1-2016
Myfico 8 TU Credit Score 711
1-Lates
2-Utl 31%
9/2016
Myfico 8 TU Credit Score 733
1-Lates
2-Utl 1%
10/2016
Myfico 8 EQ credit Score 697
1-Lates
2-Med Collection
3-UTL-1%
11/2016
I disputed lates from Chase cc that were inaccurate
and they deleted the whole acct from all thee cr's.
My AAoA only went down by two months.
12/2016
Myfico 8 EQ credit Score 696
1-Med Collection
2-Utl 1%
Myfico 8 EX Credit Score 701
1-Med collection
2-Utl 1%
Myfico 8 TU Credit Score 795
1-Clean file no lates/derogs
2-Utl 1%
3-Three cc's reporting a balance
out of three
+62 Point Gain from 9/2016
1/2017
Myfico TU Credit Score 814 EXCEPTIONAL
1-Clean file no lates/derogs
2-UTL-1%
3-One cc reporting a balance
out of three
+19 point gain
My credit reports are all identical except for
medical collection from 2013 on EX and EQ
credit reports.
My profile is:
-1 closed Auto Loan Paid as Agreed
-2 closed Revolving Accts Paid as Agreed
-3 open revolving Accts Paying as agreed
oldest acct was opened 14 years ago
AAoA 9 years
I hope this information will be helpful to someone.As you can see from my profile.DON'T EVER GET A COLLECTION
No mater what happens NEVER GIVE UP.
DIYcredit
