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fell off my reports. My report went from 'negative factors affecting your credit score-you have a short credit history' to, "you have an established credit history" after last two baddies fell off and scores went up 50 points. Just when you think you have a handle on things...
@ScarletFever wrote:fell off my reports. My report went from 'negative factors affecting your credit score-you have a short credit history' to, "you have an established credit history" after last two baddies fell off and scores went up 50 points. Just when you think you have a handle on things...
Congrats! What kind of baddies?
A Direct Loan 120 day-I thought was in deferrence-would be 7 years next month but is gone now, and a First Premier 30 day from 2-2 1/2 years ago that was removed last week by a VP I wrote to because an annual fee was charged, and I was unaware when it happened. FP had no alerts or email messaging at the time.
Congratulations!
Congrat!
congrats
Congrats! Thanks for sharing.
@ScarletFever wrote:A Direct Loan 120 day-I thought was in deferrence-would be 7 years next month but is gone now, and a First Premier 30 day from 2-2 1/2 years ago that was removed last week by a VP I wrote to because an annual fee was charged, and I was unaware when it happened. FP had no alerts or email messaging at the time.
The 50 point boost seems reasonable for an old 120-day-late and a more recent 30-day-late falling off of your reports. I'm wondering if you received the message about having an established credit history came from hitting a date in the scoring formula. How long is your credit history? What is your AAoA?