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This is what happens when the baddies age off

Xeoz
Valued Member

This is what happens when the baddies age off

I've been working on my credit for the last year. The idea being that I will have a solid credit foundation when the last baddies finally age off of my credit report.

 

Well I got a score watch update today, logged in and and saw this:

 

 

Holy credit spike batman! That's even better than what I was hoping for.

 

So I went from terrible credit year ago to great credit today. I've got an American Express, a Citi and a couple other little cards under my belt with a healthy amount of available credit.

 

Thank you myFICO forums for teaching me so much about how credit really works!


Starting Score (3/21/10): EQ: 646 - TU: 655
Current Score (4/10/12 Lender): EQ: 783 - TU: 779 - EX: 780
Goal Score: Completed


Take the FICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
jackig64
New Contributor

Re: This is what happens when the baddies age off

Congrat's!!!  What aged off to give you this FANTASTIC JUMP....?

Message 2 of 11
haulingthescoreup
Moderator Emerita

Re: This is what happens when the baddies age off

w00t!

 

Sometimes waiting it out is all you can do.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 11
Xeoz
Valued Member

Re: This is what happens when the baddies age off


@jackig64 wrote:

Congrat's!!!  What aged off to give you this FANTASTIC JUMP....?


Just pulled the power report. I had one regular collection and one other collection that was reported as a negative account fall off. The collection was a $120 internet service bill from ages ago and the negative account was pallisades for an AT&T cell phone.

 

So I went from two negative items to zero. My credit report is now squeeky clean. Yesterday my score was 680, today it is 761. I'm satisfied with an 81 point boost. Smiley Surprised

 

Unfortunately this will go down a bit soon. My new AMEX hasn't reported yet. When it does it wil drop my AAoA and show a new account. We'll see how bad that hurts my score.

 

Signature updated!


Starting Score (3/21/10): EQ: 646 - TU: 655
Current Score (4/10/12 Lender): EQ: 783 - TU: 779 - EX: 780
Goal Score: Completed


Take the FICO Fitness Challenge
Message 4 of 11
jackig64
New Contributor

Re: This is what happens when the baddies age off

That is awesome...I can't wait for the "bad marriage years" to disappear from my report.  IT's amazing you can get a divorce completed quickly but the "damage" lingers for years Smiley Happy.  I have three more years for a bunch of the worst to disappear, in the  meantime I am working on getting utilization to a low number..Also considering opening a Secured BofA for a higher trade limit.  Congrats to you!

Message 5 of 11
92235
Regular Contributor

Re: This is what happens when the baddies age off

Thank you so much for posting this. I have a $173 medical collection that is going to fall off at the begining of 2012. My EQ is 683 as well.  I can only hope for an 81 point increase, but I would be plenty happy with a 40 point increase. I would really like to buy a house in a couple years.

Message 6 of 11
Mustanglvr2006
Valued Contributor

Re: This is what happens when the baddies age off

Congratulations!!! That is awesome!!! I have a bogus CO thats due to fall off Dec/Jan 2013, It's not even my account, I've been disputing it for four months now. Then I'll be squeaky clean!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 7 of 11
ronniejr
Valued Member

Re: This is what happens when the baddies age off

whoa!!!  Congrats big time!!.  Hopefully 4 baddies are coming off mine in 2012.  My current scores are all around the 690-700 mark.  I hope to get the same explosion you got!!  Question:  Did you contact the tu, eq and ex to 'remind' them its been 7 years and time to drop these accounts?

Message 8 of 11
Xeoz
Valued Member

Re: This is what happens when the baddies age off


@ronniejr wrote:

Did you contact the tu, eq and ex to 'remind' them its been 7 years and time to drop these accounts?


Nope, I've never talked with any of the CRA's. They just aged off naturally.


Starting Score (3/21/10): EQ: 646 - TU: 655
Current Score (4/10/12 Lender): EQ: 783 - TU: 779 - EX: 780
Goal Score: Completed


Take the FICO Fitness Challenge
Message 9 of 11
MidnightVoice
Super Contributor

Re: This is what happens when the baddies age off

When the only baddie fell off my reports I averaged a 51 point jump

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 10 of 11
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