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I've had success in getting CA's and some bad AU's removed and that alone has increased the score by 50 points on EX
However, I seem to be rebucketed or stuck in limbo.
I had a major derogatory account removed by disputing with BBB. They were trying to collect an invalid deficiency balance from a foreclosure and was removed last week. In the same week, an unpaid CA was removed b/c the hospital pulled the account back. There was not one point increase from these two baddies being removed. While the others I saw almost an instant score increase within days of the removals.
Now there are still major baddies on his report but just curious as to why he wouldn't get a small increase from last week? They are not on the backdoor reports anymore.
He will get rebucketted when all baddies are removed. How old were they?
At least 5 or 6 years old. He does have two CA's still...one started reporting 02/2013 (Cavalry and won't respond to the DV) and the other was from 04/2009 (LTD Financial). The last one's (CA) removed were from 05/2013 (most recent removed), 12/2011, and two from 05/2008 (LVNV). The major derog was from 2008 and on only on EX....though that was the only RED account and delinquent acct on there. EX fako is weird.
He has a couple CO's that are killing him, two huge USAA's from 2008. They are reporting a balance but still need to amend his 2012 taxes to claim insolvency on those so once they report 0 balance i hope the scores will increase a little bit.
Next year he will have 3 foreclosures removed, a few charge offs, and a couple other baddies.
So now we play the waiting game I guess? I've been GW'ing like crazy only to get nothing back.
Yea those collections are really old. plus what he else has still on his report thats why he never saw in increase in score.