On myFICO I purchased the Suze thing and it came back with score of
TU: 633 EQ: 625 EX: 606 on 3/28
ok i checked everything on website and then read form about GW, DV, PFD.... so I sent out couple DV letters to very old collections and couple GW letters to get mispayments or remove charge off... got green card back from DV... I also fully paid off Cap One, Orchard... paid off 2 other CC and closed... no response from anyone
couple days ago I applied for Macy - Approved (300) and Hooters - approved (limit unknown..) and HD (declined)
so.... I checked myFICO again and re-bought score again...
TU: 633 EQ: 653 EX: 641 4/11
I checked the credit reports but they exactully same... no change but score jumped alot??
so im thinking did I just purchase score but why in INQ I got hooters... HD... and macy listed?
Anyways thanks to forum I hope to get in 700 at end year 
SW reported later this afternoon that I had a closed account with a balance of 0... so im guessing the 0 balance improved score but unsure about closing account was positive... owell I like the boost to 653 from 605
I hope those 2 new account dont effect me to bad and drop my score more.... and I got 2 CC I have paid to 0 but keeping open also... so maybe low balance report
I also hope those DV and GW outcome is positive...
antsmith101 wrote:SW reported later this afternoon that I had a closed account with a balance of 0... so im guessing the 0 balance improved score but unsure about closing account was positive... owell I like the boost to 653 from 605I hope those 2 new account dont effect me to bad and drop my score more.... and I got 2 CC I have paid to 0 but keeping open also... so maybe low balance reportI also hope those DV and GW outcome is positive...hey antsmith101 ,are you able to send me the gw letter you sent to the CA. I have one CA on my Experian report that I would like to remove.