Just logged in today to my USAA credit monitoring and found out that my last derogatory item has finally dropped off. I had an old collection account from 2006 for about $320. I felt like the original charge was in error and I just let it go. They sent it to collections and they reported to my TU and EX files. This was way before I fully understood the ins and outs of credit reporting and how it would haunt me. In preparation for a mortgage in 2011 I had to pay it off as one of the conditions and they updated as paid but it lingered on my reports and mocked me. It came off the EX report in January and off TU this month. I bought my TU FICO and my score went from 660 last month to 721 today. I swear I will never let another derogatory land on my report as a matter of principal again. And I will do all in my power to ensure that no derogatory information occurs over which I have any control. Now I can look forward to eventually becoming a FICO high achiever. I have 3 new accounts in the last year and too high of utilization holding me back at the moment. But those are factors in my control and decisions on the new accounts were made with the educational knowledge that I have gained from these forums. One was a mortgage refinance and the other two were strategic credit decisions for the future.
Major happy dance!
Enjoy the feeling.