@credit8502020 wrote:
@Anonymous wrote:A quick update: 30-day late from Sept. 2014 dropped and bumped my EX 24pts to 800 and my EQ 29 pts to 799! My student loans for some reason are not reporting to Equifax so wondering if thats why the score is below 800 or if its related to the Utilization.
@Anonymous Congrats on the winning you're experiencing!!! Did you dispute any of the lates or just let them all fall off? I have 3 lates on Discover from August-October 2018 and 6 on Navient (will be paid off in November) from 2014. Ideally I'd like them to be removed as soon as possible, but considering the absolute best way to do this.
I challenged everything that was reasonable. Luckily, all my lates were 3+ years old so that gave me an advantage since they were recent and I only had 30 day lates, nothing major as a 60 or 90.
So it's been about 9 months since I made an update. Today, I woke up to a perfect 850 all-cross. I reduced my utilization to 1% (AZEO) and added an AU with 25+ years. Took me from 826 to 850 all across.
This won't stay like this for long since I have two new accounts, 4 inquiries, a car loan and some balances reporting soon but for as long as it stays it's surreal to see this after struggling with credit for so long.
Major congrats @Anonymous - huge accomplishment that many don't ever reach. Coming from where you started, it's even more impressive. I'm very very happy for you - here's to continuing success! 
@Anonymous wrote:Major congrats @Anonymous - huge accomplishment that many don't ever reach. Coming from where you started, it's even more impressive. I'm very very happy for you - here's to continuing success!
Thank you. So much valuable knowledge on these boards.
Thank you for sharing. I will keep hope alive!
Starting Score: 700
@Anonymous wrote:
@FireMedic1 wrote:Nice job. Persistance pays off.
Thank you for all the responses on "where should I start". I remember searching for your posts and see what you would respond to people depending on their scenarios.
Thanks @Anonymous Glad I could be a small part of the great recovery you accomplished! Your turn to psss it on! 