topic Re: Collections & Maxed out card on thin file. in Understanding FICO® Scoring

Collections & Maxed out card on thin file.

MakingProgress — Wed, 20 May 2020 17:24:03 GMT

My DS had 2 big negitives on a thin file.

Low Point 2/10/20

1 AU card with under 10% util

1 Card in his name Maxed Out

Baddies 1 medical collections account due to workmans comp issue.

EX Fico 8 = 596

Collections Removal 4/26/20

EX Fico 8 = 673

5/19/20

Max CC pd to 9% util

Au CC = 1% util

EX Fico 8 = 781

Re: Collections & Maxed out card on thin file.

Adkins — Wed, 20 May 2020 17:46:10 GMT

Nice! Congratulations to your DS!

Re: Collections & Maxed out card on thin file.

BmoreBull — Wed, 20 May 2020 23:01:38 GMT

@MakingProgress wrote:
My DS had 2 big negitives on a thin file.

Low Point 2/10/20
1 AU card with under 10% util
1 Card in his name Maxed Out
Baddies 1 medical collections account due to workmans comp issue.
EX Fico 8 = 596

Collections Removal 4/26/20
EX Fico 8 = 673

5/19/20
Max CC pd to 9% util
Au CC = 1% util
EX Fico 8 = 781

185 points in two months? That's amazing.

Re: Collections & Maxed out card on thin file.

Anonymous — Wed, 20 May 2020 23:04:48 GMT

Congratulations indeed! And good going avoiding the all zero penalty on both cards! Very well done!

Re: Collections & Maxed out card on thin file.

Anonymous — Thu, 21 May 2020 20:56:16 GMT

Congrats to DS! Everyone in the house is making progress.

Re: Collections & Maxed out card on thin file.

M_Smart007 — Fri, 22 May 2020 01:59:19 GMT

@Anonymous wrote:
Congrats to DS! Everyone in the house is making progress.

Haha .. you are funny @Anonymous

Re: Collections & Maxed out card on thin file.

M_Smart007 — Fri, 22 May 2020 02:01:15 GMT

@MakingProgress wrote:
My DS had 2 big negitives on a thin file.

Low Point 2/10/20
1 AU card with under 10% util
1 Card in his name Maxed Out
Baddies 1 medical collections account due to workmans comp issue.
EX Fico 8 = 596

Collections Removal 4/26/20
EX Fico 8 = 673

5/19/20
Max CC pd to 9% util
Au CC = 1% util
EX Fico 8 = 781

That is a MASSIVE gain @MakingProgress !!! (No pun intended)