3pt needed update!

[Anonymous]

Well after paying off 3 small blances on 3 cc and our auto loan reporting we pd for the month on time our score did absolutely nothing. It didn't change a single point. I'm so upset right now. This is going on month 4 of the score not changing. I don't know what else to do nothing seems to help. I'm so upset. We're going to loose this house if something doesn't happen.

[llecs]

Is your lender providing you the scores? Did any of the 3 change?

Or are you pulling from here?

If not here, when's the last time you pulled from myFICO?

[Anonymous]

Ye the lender provided them and not 1 of them changed.

[llecs]

Bummer. You can rule out util on your CCs and age since they won't turn a month older until March 1. Are there any unpaid CC COs? Quite often they are still factored into utilization and often paying or settling can result in a quick increase. Any other baddies? Any paid baddies reporting?

What I would do is pull your FICO report and/or look at your lender's report. They (and your FICO report) will list the top 4 things hurting your FICO score. I would focus on #1 or #2 off that list to see if that helps any. Your FICO report will show specifically which baddies are hurting.

[Anonymous]

There's nothing. Other than the cc that are pd off we have a mortgage and auto loan. We don't have anything else. I called a collection co today from an old delinquent acct. on his credit report. The only thing hurting him were there were 4 med bills we knew nothing about until 1 day collections was sending us a letter. Now they have been paid for a few years however I called today requesting a delete. They granted a delete for 1 of them. That will report next Monday. However they said the bredit bureau can deny that delete. HOping now, they grant it and the delete will boost him the 3 points.

[guydiver]

---

@Anonymous wrote:

Well after paying off 3 small blances on 3 cc and our auto loan reporting we pd for the month on time our score did absolutely nothing. It didn't change a single point. I'm so upset right now. This is going on month 4 of the score not changing. I don't know what else to do nothing seems to help. I'm so upset. We're going to loose this house if something doesn't happen.

---

According to the generally accepted Fico scoring logic, you need to have one of those cards report a small balance of less than 9% of the CL.  That should give you a small boost.

[Anonymous]

They were all less than 9%. Last month we had just 1 and we paid off the small balance whihc was also less than 9%. It has done nothing.

[mtrsprt]

Time is all you need.  My scores changing is like a watching a tortoise run a marathon..... I recently took a 40 point hit for a new auto loan, and credit card.  It's only come back up 3 points in 2 months......