topic Re: YAY!! in Rebuilding Your Credit

YAY!!

Bmom — Fri, 14 Apr 2023 00:34:55 GMT

Equifax is still messed up and reporting only old negative trade lines and student loans. So we won't count that. Screenshot_20230413_203200_Samsung Internet.jpg

Re: YAY!!

Jeffster1 — Fri, 14 Apr 2023 00:44:32 GMT

Congrats on hitting 700!

Re: YAY!!

alextercero — Fri, 14 Apr 2023 00:50:40 GMT

Awesome, congrats on hitting 700

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Blender — Fri, 14 Apr 2023 12:31:29 GMT

Are you willing to share what was deleted to get a 40 point bump?

Re: YAY!!

Bmom — Fri, 14 Apr 2023 14:42:09 GMT

I had 2 collections. 1 closed gave me 5 points, I believe, then it deleted giving me 7. Once the second (only one left) went, my score went up 40

Re: YAY!!

alloveragain3boys — Fri, 14 Apr 2023 14:46:30 GMT

YAY FOR INCREASES!!!!

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FireMedic1 — Mon, 05 Jun 2023 16:07:36 GMT

@BmomEdited post. Went to answer another thread but clicked on yours. Welcome to the 700 club!

Re: YAY!!

Bmom — Fri, 14 Apr 2023 23:55:46 GMT

@FireMedic1 wrote:
These baddies weren't all on your CRA report?

The two that were deleted? Yes. Both were? I think I'm misunderstanding the question.

Re: YAY!!

markbeiser — Sat, 15 Apr 2023 01:08:29 GMT

It feels good when the baddies start coming off your redit report!
January of 2022 I had 620ish scores, with 3 collections, a charge off, and 3 late payments reporting.

Re: YAY!!

JoeRockhead — Sat, 15 Apr 2023 01:14:14 GMT

Congratulations on hitting 700, wishing you continued success!

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sznthescore — Sat, 15 Apr 2023 16:53:01 GMT

Congratulations on the progress! 🎉

Re: YAY!!

FireMedic1 — Sat, 15 Apr 2023 19:58:07 GMT

@Bmom wrote:
@FireMedic1 wrote:
These baddies weren't all on your CRA report?
The two that were deleted? Yes. Both were? I think I'm misunderstanding the question.

@Bmom Just wondering the 100 point difference and why? A baddie is usually on all 3 CRA's.

Re: YAY!!

Bmom — Sat, 15 Apr 2023 22:01:37 GMT

My equifax was split. It only has my student loans and some ancient baddies that are legitimate disputes. Not one of my current accounts, or actual baddies that I've fixed. I hate equifax

@FireMedic1 wrote:
@Bmom wrote:
@FireMedic1 wrote:
These baddies weren't all on your CRA report?
The two that were deleted? Yes. Both were? I think I'm misunderstanding the question.

@Bmom Just wondering the 100 point difference and why? A baddie is usually on all 3 CRA's.

Re: YAY!!

FireMedic1 — Sat, 15 Apr 2023 22:52:15 GMT

Ah ok. Now it makes sense. I went thru the split. All because a creditor changed my middle initial frm S to J. Sent in all the evidence I could Im S! Then it was fixed.

Re: YAY!!

Bmom — Sat, 15 Apr 2023 23:04:27 GMT

Part of mine is different addresses from moving and from NOT having a previous name. Equifax doesn't like spinsters? 😒 🤷‍♀️

Re: YAY!!

Blender — Sun, 16 Apr 2023 21:41:02 GMT

@Bmom wrote:
I had 2 collections. 1 closed gave me 5 points, I believe, then it deleted giving me 7. Once the second (only one left) went, my score went up 40

Kinda confirms that the score mostly moves once all of the baddies are off. Welp, see you in 2028, 700's 🙃

Re: YAY!!

Blender — Sun, 16 Apr 2023 21:43:45 GMT

@markbeiser wrote:
It feels good when the baddies start coming off your redit report!
January of 2022 I had 620ish scores, with 3 collections, a charge off, and 3 late payments reporting.

This sounds very similar to my reports now. Waiting for my student loan to be pulled from default to remove two charge offs. One collection for 2025 and two recent (2021) 30d late. Im assuming all of those are completely off for you now, based on your scores?

Re: YAY!!

Bmom — Sun, 16 Apr 2023 23:14:28 GMT

@Blender wrote:
@markbeiser wrote:
It feels good when the baddies start coming off your redit report!
January of 2022 I had 620ish scores, with 3 collections, a charge off, and 3 late payments reporting.
This sounds very similar to my reports now. Waiting for my student loan to be pulled from default to remove two charge offs. One collection for 2025 and two recent (2021) 30d late. Im assuming all of those are completely off for you now, based on your scores?

Yes and no. I have one charge off, but it's not showing entirely as one but as a closed account. Which is weird. As well as student loans showing I owe more than I borrowed (stupid interest) So, those are repressing my scores. The one account comes off next summer, and I want to start working on the student loans soon.

Old closed account:

4964/5400 92%

Student loans:

Borrowed/Owed

5950/8420 -41% paid

3500/3830 -9%

1750/1962 -12%

1827/1827

And one for 300 I was paying before the pandemic pause.

Re: YAY!!

markbeiser — Mon, 17 Apr 2023 01:09:07 GMT

@Blender wrote:
@markbeiser wrote:
It feels good when the baddies start coming off your redit report!
January of 2022 I had 620ish scores, with 3 collections, a charge off, and 3 late payments reporting.
This sounds very similar to my reports now. Waiting for my student loan to be pulled from default to remove two charge offs. One collection for 2025 and two recent (2021) 30d late. Im assuming all of those are completely off for you now, based on your scores?

Yeah, the last negative item on my reports was removed on January 1, just waiting for new accounts and inquiries to age past 12 months.
I'm at a point where not applying for anything for at least 8 months is the only thing I can do to improve my scores.

Re: YAY!!

Bmom — Mon, 17 Apr 2023 02:00:53 GMT

Same. My new credit cards range from 1-10 months old. It was a heck of a ding, as well as inqs for an attempt at an auto loan last summer. The end of this summer will be helpful for aging a couple cards, and the auto inquiries.