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baddies turned 2 years old

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CreditDrama85
Established Contributor

baddies turned 2 years old

most of the derog items turned two years old on my reports (60, 90, 120 day lates) and my score has gone up approximately 60 points with each credit bureau. it was a nice unexpected boost since i still have collections on my report. maybe i was re-bucketed too? a 60 point boost without paying down my utilization which is very high is great IMO.
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fused
Moderator Emeritus

Re: baddies turned 2 years old

Congrats!!!!!!!! Since the collections are still on your reports, you have not changed scoring buckets. It just goes to show that major derogs are less damaging after two years.
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