https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-and-Collection-Accts/m-p/5323411#M1578598 <P>NFCU uses FICO 9.&nbsp; It is much more lienent with paid collections.&nbsp; Is you Dish account paid?</P> Fri, 10 Aug 2018 13:59:02 GMT rbentley 2018-08-10T13:59:02Z https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-and-Collection-Accts/m-p/5323337#M1578597 Well my 704 FICO 8 EQ score just tanked due to a Dish network collections acct. I am 4 days away from my 90 days with my Cashrewards card. Do you all think this will kill my chances of a CLI? Heres my perts:<BR /><BR />Util on CR - 38%<BR />AAoA - 4yrs<BR />AA of Open accts - 5 months<BR />Oldest Acct 11yrs<BR />No lates, BKs or Public Records<BR />One collection from 8/1 but backdated to 6/1 (showing as 2 months old)<BR />5 HPs last year<BR />3 revolving accts, 1 installment<BR />10% DTI<BR />Income 126k<BR />NFCU pay history is perfect and util with NFCU is 10% of $3000 (I run $4000 through the card monthly)<BR /><BR />FICO 08 dropped from 704 to 610 overnight<BR /><BR />Any guidance is appreciated. I also accidentally maxxed out my USAA card (balance $917 of $1000 limit) because i paid one day too late Fri, 10 Aug 2018 12:07:50 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-and-Collection-Accts/m-p/5323337#M1578597 Anonymous 2018-08-10T12:07:50Z https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-and-Collection-Accts/m-p/5323411#M1578598 <P>NFCU uses FICO 9.&nbsp; It is much more lienent with paid collections.&nbsp; Is you Dish account paid?</P> Fri, 10 Aug 2018 13:59:02 GMT https://ficoforums.myfico.com/t5/Credit-Cards/NFCU-CLI-and-Collection-Accts/m-p/5323411#M1578598 rbentley 2018-08-10T13:59:02Z