My EX report is the last one that has any bad stuff on it. I had 3 negative accounts. 1 PR due to fall off this year in Aug, and 2 lates from 6.7 years ago.
The PR was disputed and deleted. I asked if they would remove it based on Goodwill. Lmao. I never tried that before but it worked. Basically said a) I have learned and improved my creidt and b) it was going to fall off in 5 months anyway.
My EX FICO 8 went up 40 freaking points!!!!! So happy.
Nobody cares in my real non-internet life so I had to post here. Thx for letting me freak a bit here.
Did I mention I am so happy? Too bad I don't want another card or something. Not really gardening but I sort of am. All 3 of my reports need to lose some INQs. I have all the cards I want and need.... so unless something super exciting or new comes out-I'm good for now.
But still super happy.
Congratulations on a job well done!