I recently paid a meagre ca after failing to get a pfd from Portfolio recovery and this decision damaged my scores. My eq updated and added a +120 days lates and my scores dropped from 661 to 636. i just emailed porfolio begging for mercy yesterday and to my surprise, it is already gone in exp in less than 24hrs. i am still patiently waiting for a score alert from eq and who knows when tu will follow. I really feel good today. btw i also got another delete from exp this week after ca failed to respond to my dv and have not updated since march.
