05-22-2013 06:38 AM
05-22-2013 07:46 AM
Congrats on the forward progress! YMMV on the score change. There are too many variables here. The amount of the CA doesn't matter. But if it were your newest CA then you'd possibly see some gains. It also depends on your other baddies and how those report, whether or not they update, etc. Likewise, your score improvement will vary with improved util. It depends on the before util, whether or not CCs were over the limit, mix of credit, whether or not util was listed as a negative FICO scoring reason, and whether or not those two COs are unpaid CCs and updating.
05-22-2013 01:20 PM
nope, cc's weren't maxed out. both cap 1 cards have been kept under 10% for the past month, with the NFCU card getting all of the usage. last month, reported $495. this month, will report between $200-300. yes, the recent deletion was the most recent collection. since my student loans have defaulted, two of the original TLs report "claim with the govt" and the two duplicates are the collection TLs. They get updated monthly, as i'm rehabbing them.
05-24-2013 03:00 AM
05-24-2013 01:52 PM
seems like you're definitely in the same boat as i am with student loans & collections. Did you tried writing GW letters to schools & loan agencies? I just finished doing it, now just the waiting game i guess. I'll also keep you posted if any good things happen from the GW letters. And yea, let me know if you app for the AMEX PRG!
05-24-2013 04:09 PM
I'm currently in month 5 of rehabbing. I've read some threads on here that there is no point to try to GW while rehabbing. My DW set up the loan repayment from the states, as I'm currently deployed. We did get in writing that the TL would be removed once the rehab was complete(AES is the OC as well as the CA), and my Dept of ED loan will go back to the school(again, have it in writing) it originated with. I will consider GW when that time comes. I'll prolly take the advice from folks on here and app in November/December for the PRG.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.