topic Re: Last CA removed from TU! in Rebuilding Your Credit

Last CA removed from TU!

Anonymous — Fri, 07 Sep 2018 18:12:37 GMT

Good afternoon everyone!

Just got an alert that my last CA (all were medical) was removed from TU and I got a nice bump!

Had to share! Keep working on getting those baddies off guys! It's worth it!

<IMG src="http://imgur.com/a/RiP0pPk">

Edit: clearly I have no idea how to insert a photo. It was a +45 point bump!

Re: Last CA removed from TU!

Anonymous — Fri, 07 Sep 2018 17:55:31 GMT

What an increase, Cole! Congrats! Perhaps you should spring for an AMEX.

Re: Last CA removed from TU!

Anonymous — Fri, 07 Sep 2018 18:08:50 GMT

Thank you! I'm gardening for now. I'm planning to apply for a mortgage after the first of the year so I'm not app'ing at the moment.. And then my next card is going to be a Chase! Right now I'm 4/24, but will be 3/24 when I apply.

Re: Last CA removed from TU!

Anonymous — Fri, 07 Sep 2018 19:02:24 GMT

Congrats! This gives me hope!

Re: Last CA removed from TU!

xaximus — Fri, 07 Sep 2018 19:05:33 GMT

Congrats on the removal and the bump in score! It's always nice to see hard work pay off.

Re: Last CA removed from TU!

SweetCreditObsession — Sat, 08 Sep 2018 05:34:21 GMT

Yayyyyy!🤣🤗😂🎉

Re: Last CA removed from TU!

Anonymous — Sat, 08 Sep 2018 13:28:44 GMT

Congrats!!! --Most Excellent, I also can verify getting rid of those medical collections helps, among other things. I was added as an AU to a 22.5K fifth third truly simple, and I paid off all credit cards (only had the lousy ones with 300.00 limits, and 2 secured, disco and capone), and paid off 10 medical and one cell phone collection.

So far fox collection (cell phone I think), reports as closed/paid in full, 7 have vanished, 3 remain, that have last report dates of 8/7 and 8/10/2018 respectively - so hopefully next week, they will vanish as well.

But as of now, I've gone from 522 to 620 Experian Fico, I'm hoping when the last 3 fall off to be where you are, around 675, I have ZERO late pays, one closed, and one open auto loan, and one other less than 1K loan that is open.

Again, WOOT, WOOT! Great Work!

Re: Last CA removed from TU!

SarahJo — Sun, 09 Sep 2018 01:58:37 GMT

That’s wonderful! Gardening prior to your mortgage app is a smart move, patience patience patience ;-)

Re: Last CA removed from TU!

19eighty5 — Sun, 09 Sep 2018 17:30:16 GMT

Congratulations!

Re: Last CA removed from TU!

Anonymous — Sun, 09 Sep 2018 21:29:04 GMT

Congrats Cole 🎉 must feel good to see those squeaky clean files. 😁

I feel like our journeys are similar. I'm in the garden until mortgage at the beginning of next year.

Re: Last CA removed from TU!

Anonymous — Sun, 09 Sep 2018 23:47:10 GMT

@ScoreJunkie yes, it is certainly nice to get those off! I unfortunately am not squeaky clean for another 2 years when a paid CO will expire.

Yes, very similar it seems! 😊 Hope you're there, or almost, with your scores and stuff! I'll probably start reading over in the mortgage section soon. See ya there! 😉