topic Re: Score Change? in General Credit Topics

Score Change?

TryingVeryHard — Tue, 15 Jan 2008 14:27:23 GMT

If i will be able to successfully remove a Collection account out of my credit report (collection reported 9/07) how much points can I expect to gain?

Re: Score Change?

fishbjc — Tue, 15 Jan 2008 14:40:51 GMT

you're not going to gain any points because they will give them to me.

Wish that were in the simulator....

Re: Score Change?

TryingVeryHard — Tue, 15 Jan 2008 14:44:47 GMT

Please dont jinx me. LOL

Re: Score Change?

TryingVeryHard — Tue, 15 Jan 2008 22:37:20 GMT

bump~

Re: Score Change?

fused — Wed, 16 Jan 2008 00:28:20 GMT

I need more info to make a guess. Sounds like this collection is very recent. Do you have ANY other bad stuff on your reports...lates, CO's, other collections, PRs, etc. If so, how recent are they? What about your CC util on each card? Do you know your FICO scores now?

Re: Score Change?

TryingVeryHard — Wed, 16 Jan 2008 04:14:18 GMT

CURRENT FICO SCORE is 616

CAP 1 account (7 yrs old account) (late/charge-off) WILL BE DELETED NEXT MONTH (PIF, paid in 2004, did not know about PFD that time)
WaMu account (7 yrs old account) (late/charge-off) (PIF, paid in 2004, did not know about PFD that time)
HSBC account (collection/charge-off as of AUG 07) (PIF)
SHELL CITI (collection/charge-off as of AUG 07) (PIF, did not know about PFD that time)
Credit One Bank (collection/charge off as of JUN 07) PIF
CorTrust Bank (collection/charge off as of OCT 07) PIF

Home Depot – Good/never late
Old Navy – Good/never late
Hooters – Good/never late
First Premier – Good/never late
Sallie Mae - Good/never late

HSBC – Good/close/never late
HSBC – Good/close/never late
Plain Commerce – Good/close/never late
HSBC – Good/Close/never late
Bowflex – Good/close/never late

Re: Score Change?

fused — Wed, 16 Jan 2008 04:21:18 GMT

Ok, but what is the util reporting on all of your open CCs?

Re: Score Change?

TryingVeryHard — Wed, 16 Jan 2008 04:27:59 GMT

I will probably ask this same question next month. I am embarassed with my current utility. (Laughing Out Loud)

65%

Payment has not yet made, after payment it will go down to 48%

Cant afford to do pull payment right now as my employed miscalculated my wage for the week. Grrr

Re: Score Change?

fused — Wed, 16 Jan 2008 04:37:12 GMT

Consider yourself very,very fortunate to have a 616 with two old paid collections, four recent COs (one paid, which probably helped your scores some) and util at 65%. I would have expected your scores to be much, much lower. Let me think about this and come up with a guess-to-mate.

Re: Score Change?

TryingVeryHard — Wed, 16 Jan 2008 04:39:27 GMT

All of my charge-off accounts were paid. I paid all of the original creditors

Re: Score Change?

TryingVeryHard — Wed, 16 Jan 2008 04:44:51 GMT

And you know what interesting is, I have 649 in TransUnion fico. LOL