I'm new to cleaning up my credit because I'm trying to qualify for a mortgage.
I just got the score watch alert with this jump. It didn't exactly tell me it jumped so I ordered an EQ report to compare it with my last. First, my utilization went down from 30% to 26%.
I also noticed that Capital One removed a 60 Day late I had from June 2006! I have a 30 Day late from 7/2010 and a 90 Day late from 7/2006 left. I called them last week to see if they could take them off. I pretty much begged them. The CSR said that she would put in a request, but couldn't promise anything. Well, sure enough, one has come off. Do you thing the two remaining ones will follow?
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.