30+ point boost across the board

[ckostecki]

So I could not want 4 more day and took advantage of the discount and pulled my report. So what changed? Not sure if installment loans are part of the util, so I left them out.

EX 37 point increase
went from 33 lates to 11
util was 29%, now 17%
2 closed accounts were dropped (hence losing 22 lates)

EQ 31 point increase
util was 29%, now 17%

TU 35 point increase
util was 29%, now 17%
dropped 3 closed accounts
dropped 1 collections account

Also I hit the 700s, WooHoo! Now if only all 3 can be in the 700s

[Anonymous]

Good job!!

[Jesedmotherof5]

WAY TO GO!!!

[ckostecki]

Thanks. I'm trying to get a mid score in the 700s for a better rate for my mortgage

[thotgal320]

CONGRATS!!!

[danev2]

Please tell us what you did to get the closed accts off your record.
What steps did you take to clean things up!

thanks!

Dane V

[Anonymous]

Congrats!!

[ckostecki]

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@danev2 wrote:
Please tell us what you did to get the closed accts off your record.
What steps did you take to clean things up!

thanks!

Dane V

---

All I did was dispute those accounts with all 3 CRAs. But I think getting my util down helped the most, even though it was only 12% (go figure). Just look at the only thing that changed for EQ. I was trying to get it down to 1% but I did my math wrong and left a higher balance than what I was going for.

[BungalowMo]

To the OP....Good for you!!  I sure could use a boost!

---

danev2 wrote:
Please tell us what you did to get the closed accts off your record.
What steps did you take to clean things up!

thanks!

Dane V

---

Sometimes...only time will do it...unfortunately.

[Anonymous]

UTL drop was a good part of the score increase. Looks like you hit the sweet spot too for an extra 10 points. Great job!