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22 point score increase!!

anicole
Regular Contributor

22 point score increase!!

I paid off Ad Astra on 10/26 and yesterday I received a notification that my score increased 22 points! The account was supposed to be deleted in 30 days but it looks like it only took them a couple weeks. I'm down to two collections from like 10+ plus. I never thought I'd be here. Granted the last two collections are beast but I plan on PFD if possible. One is with Portfolio which is a guaranteed deletion. I'm going to work EXTREMELY hard to settle it by the end of the year.

 

The other is wit Key2Recovery, they haven't been much fun to work with, I'll be dragging my feet with them. The goal is to get the original creditor to recall the debt so that I can pay them directly. Key2Recovery has added at least 2 grand in collection fees for a 6 year old debt which is ridiculous. In the past the original creditor said they couldn't recall the debt but I feel like the staff has changed so I may be in a better position. 

 

I'll keep you guys updated, thanks again for everyones contributions, support, and advice.

*I haven't updated my sig yet, waiting on EX and TU to update on the 11th.

Starting Score: EX 489 EQ 497 TU 491
Current Score: EX 609 EQ 610 TU 616
Goal Score: 700 across the board


Take the myFICO Fitness Challenge

5 REPLIES 5
StillKicking
Contributor

Re: 22 point score increase!!

Congrats on the increase.

 

And more importantly, the hard work and dedication towards your rebuild.

 

Wait till the last two baddies are off your reports!

Fico 8 Scores 10-19-20
Message 2 of 6
AllZero
Mega Contributor

Re: 22 point score increase!!

Congratulations on your success!
Message 3 of 6
FireMedic1
Super Contributor

Re: 22 point score increase!!

Whos the OC? Congrats on tackling your debts. The OC may be one that will do a recall. We need to know who it is. Welcome!





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 4 of 6
anicole
Regular Contributor

Re: 22 point score increase!!


@FireMedic1 wrote:

Whos the OC? Congrats on tackling your debts. The OC may be one that will do a recall. We need to know who it is. Welcome!


Thanks so much! It's my old university, not much I can really do about it besides hoping they'll recall it. 

Starting Score: EX 489 EQ 497 TU 491
Current Score: EX 609 EQ 610 TU 616
Goal Score: 700 across the board


Take the myFICO Fitness Challenge

Message 5 of 6
gdale6
Moderator

Re: 22 point score increase!!

Some very solid progress here, congrats are in order Smiley Happy
Message 6 of 6
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