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Got a SW update today. My recent GW letter worked, removing an account that was reporting 9 months of up to 150 days late in 2007. I was SO excited that I was finally going to be in the 700 club. It was worth a whopping 3 points, bringing me to 697. Granted, I may have been rebucketed, but I do still have 2x 60 and a handful of 30s from that same time period. Util didn't change any, nothing else did. BTW, util is at 22%, so I know when that comes down after the statement cuts next week, it should be enough to bump me over 700, but sheesh, what does it take???
How old was the account in relation to your AAoA? In other words, could AAoA have dropped as a result of the loss of history? For example, maybe you gained 20 for the dropped baddie, but lost 17 due to impact in history thereby resulting in a net gain of 3 (with everything else being equal).
I know, but any baddie removed is a good thing, now your score can grow.
@llecs wrote:How old was the account in relation to your AAoA? In other words, could AAoA have dropped as a result of the loss of history? For example, maybe you gained 20 for the dropped baddie, but lost 17 due to impact in history thereby resulting in a net gain of 3 (with everything else being equal).
OK, so I went back to research this and my AAoA dropped by .2 years, so from 5.2 to 5 on EQ and 4.8 to 4.6 on TU/EX (according to USAA CMS). I wouldn't think that would matter all that much in the scheme of things. I'm hoping to get my util down next week and see what kind of bump that gets me. I pulled TU from here today and at least it was 726!!! woo-hoo!