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Wife's CO fell off EQ and...WOW! Updated!

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TURNERHOOVER
Established Contributor

Re: Wife's CO fell off EQ and...WOW!

CONGRATS.

EX 727 | EQ 720 | TU 740

FREEDOM 4.5k | BCP 9.5k | DISCOVER 2.5k | ARRIVAL+ 7.5k | RITZ CARLTON 15k
No new Apps till Dec 2016
Message 11 of 27
Anonymous
Not applicable

Re: Wife's CO fell off EQ and...WOW!


@jamie123 wrote:

The CO has been there all 6 years and a few months. The only thing I can think of is that once the CO fell off my wife was rebucketed to a scorecard that allows high scores. She does have some old history on her reports and 2 four year paid-off auto loans that were always paid on time. Her EQ report is 100% clean now.

 

Her TU and EX reports still have the CO on them and her scores there are in the 7teens.


This precisely mirrors my experience. I have a 7 year old tax lien that vanished from TU, TU currently sits at 800, while the other two are around 720.

Message 12 of 27
Anonymous
Not applicable

Re: Wife's CO fell off EQ and...WOW!

Whoa! Amazing. I love seeing these reports; they give me hope for what I can do.

Message 13 of 27
jamie123
Valued Contributor

Re: Wife's CO fell off EQ and...WOW!

Better news yet! The CO fell off TU and EX with similarly great results!

 

I'm not sure how many people are interested in this but I thought I'd post detailed results so anybody that's interested can find out just how much an old baddie can cost you in points.

 

The only difference in the 3 reports now are 1 or 2 inquiries but most important is that EQ and EX are still reporting an old and closed store card from 1987. My wife's next oldest CC is only 4 years old. This seems to be the cause of the TU score being much lower than EQ and EX. Don't close those old cards people!

 

These scores are not groomed. These scores reflect 5 of 6 revolving accounts reporting small balances. We typically use all of our cards each month but PIF after reporting.

 

Scores before CO fell off:

 

 

 

Scores after CO fell off:

 

 

 

This will take several posts so I'll be back with more.


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 14 of 27
jamie123
Valued Contributor

Re: Wife's CO fell off EQ and...WOW!

This shows my wife's MyFICO score history since we started rebuilding 3 years ago. She added cards and removed some baddies and UTI changed quite a bit from time to time but as you can see, as long as she had that CO on her reports we couldn't get her scores to move.

 

Look here:

 


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 15 of 27
jamie123
Valued Contributor

Re: Wife's CO fell off EQ and...WOW!

TU scores before and after CO fell off:

 

Before:

 

 

 

After:

 

 

 

I'll be back with EX scores.


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 16 of 27
jamie123
Valued Contributor

Re: Wife's CO fell off EQ and...WOW!

EX scores before CO fell off:

 

 

 

EX scores after:

 


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 17 of 27
jamie123
Valued Contributor

Re: Wife's CO fell off EQ and...WOW!

And for good measure...The before and after FAKOs from Credit.com:

 

Before:

 

 

 

After:

 

 

 

Well, that's about it.

 

Now on to fix my scores.Smiley Frustrated


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 18 of 27
lg8302ch
Senior Contributor

Re: Wife's CO fell off EQ and...WOW!

Congrats1.jpg

Thanks for this illustration...it shows how important ontime payment and utilization is Smiley Happy ... so it has been taken off EX and TU in the meantime as well !

Message 19 of 27
Anonymous
Not applicable

Re: Wife's CO fell off EQ and...WOW! Updated!

She was rebucketed after the major derogatory fell off. Congrats!!! That is awesome!!
Message 20 of 27
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