remember that hx makes up 35% of your score. When something is deleted it might be from long ago so that your hx might be less. This will effect your scores.
honeybrook1 wrote:I finally had luck in disputing a collection on my CR from Apollo for only $52, and it's finally been deleted from 1-EQ-, along with a paid Midland account. I was so thrilled, thinking that this would of course make my score go up dramatically...but no! My score has gone down from 660-651 as of today! Why?? This is truly depressing! I want to be able to keep all of my scores in the 660 range when I try to get a house next month.
The collection was from 2002 which was paid 3 months after it was sent to collections (it should have never been sent to collections anyway). It was only for $52 ($13+collection fees). Every time I pulled my reports, this was the #1 thing mentioned as having a negative impact on my score. The Midland collection that was deleted (actually 2 of them were, but 1 wasn't mine), and that one was PIF 3/2005. I was sure that this would get me somewhere. Man, I'm totally bummed about it. I've been working so hard at this. I knew I would have to, but I would love to see the fruits of my labor.
Starting Score: 718Yes, haulingthescoreup-
My TU and EX scores since June have increased: 555-648 and 587-635, respectively, and are remaining constant. My EQ is just going haywire. Bizarre.
Ok!
Received notice yesterday that my EQ score went from 651-663. Not the big jump that I hoped for, but it's better that nothing. At least I'm in a new score band.
Another question-I have 2 accts that I could pay off today. Should I pay them off in full or does trying to keep them between 1-4% really make a difference with my score. Is it much of a difference?
Another question-I have 2 accts that I could pay off today. Should I pay them off in full or does trying to keep them between 1-4% really make a difference with my score. Is it much of a difference?
As a general rule-
Only have 50% of your revolving accounts report a balance-
Only have 50% of your revolving accounts report a balance-
@honeybrook1 wrote:Ok!Received notice yesterday that my EQ score went from 651-663. Not the big jump that I hoped for, but it's better that nothing. At least I'm in a new score band.
Thanks, Timothy. I will pay these 2 off right now.
What?! 
Today, EQ dropped 6 points! Down to 657!! No major changes...AAAUGH!! What a seesaw!! 