I just purchased a new set of FICOs today . . . and . . . in seventy-two (72) days my scores have increased as follows:
EQ - 50 point increase!
EX - 34 point increase!
TU - 61 point increase!
I believe the majority of the score increases came from collection deletions (see my previous post for more details). I had one goodwill letter to JCPenney work to remove two lates (one 30 & one 60). Most of the deletions were from DV or disputes. I've had two (well, technically just one to date - CA hasn't deleted reporting yet) PFDs - $100 each.
Good luck to everyone!
Cathleen
10/22/07 (FICO) EQ 544 EX 520 TU 518
03/04/08 (FICO) EQ 606 EX 599 TU 601
04/24/08 (FICO) EQ 600 EX 580 TU 608
06/02/15 (FICO) EQ 578 EX 561 TU 589