Frequent Contributor
Kathy4NU
Posts: 280
Registered: ‎07-09-2012
Judgment, collections, utilization and inquiry

The last week my Equifax has seen a lot of changes.  My oldest account is 20 years and my AAOA is 6)  Thought some of you might find this interesting.

 

659  3/30/13 Paid judgment '10, 3 collections ('08 paid, '10 paid, '06 not paid) 3 student loans in good standing, visa 356/500

 

670  4/3/13 Judgment is vacated and delted

 

715  4/3/13 Collection ages off and I call about the 2 paid ones and they immediately remove them

 

704  4/4/13  Hit with an inquiry (this makes 3 for Equifax) - This stinks as I got denied for the USAA card I applied for and it cost me 11 pts!

 

731  4/6/13  Visa now reports 155/1000




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans