GUESS on Possible Score Increase.......

[prolificjinx23]

I'm wondering how many points I'll gain when GEMB drops off 09/2011 & when Jefferson deletes of EQ & when First Federal deletes!!!! 

I LOVE LOVE LOVE my excel Spreadsheet!!!! It helps being organized in this process....

So this is what's up:

	Equifax 525	Experian 606	TransUnion 575	Steps Taken	Deletion Date	What's Wrong
GEMB/Chevron	$0	$0	$0	***OLDEST ON AAoA - 09/2004***	09/2011	Charge Off
First Federal Credit Control (Medical)	$285	$285	DELETED	Being Deleted; Edited 800-486-5500 Ok'd PFD So I PIF & She Faxed me Prood of PFD	03/2014	Collection Acct
BOA	$0	$0	$0	In Dispute thru TU	04/2015	Charge Off; Lates 30, 60, 90, 120, 150, 180 (05/08 - 10/08)
Jefferson (ImagineMC)	$435	DELETED	DELETED	Being Deleted	02/2016	Collection Acct
ARS (Medical)	$460	$460	$460	In Dispute thru EQ	03/2017	Collection Acct
	Balance Reporting	Balance Reporting	Balance Reporting		Updates After
Capital One - $500 LIMIT	$119	$119	$119		19th	N/A
Capital One - $500 LIMIT	NOT REPORTING YET	NOT REPORTING YET	NOT REPORTING YET	AU	7th	N/A
Discover - $1000 LIMIT	NOT REPORTING YET	NOT REPORTING YET	NOT REPORTING YET	AU	5th	N/A
GEMB/Walmart - $800 LIMIT	$582	$582	$582	AU	10th	N/A
Continental/FBOD - $750 LIMIT	$441	$441	$441	AU	19th	N/A
Merrick Bank (Plains Commerce)	$519	$519	$519	***CLOSED*** ***2nd OLDEST ON AAoA - 04/2007*** Sent 9 GW for Lates 08/24/2011	19th	Lates: 30 (09/09), 60 (10/09), 30 (02/10), 30 60 90 120 (09/10 - 12/10)
SCCU	$0	$0	$0	***CLOSED***	N/A	Lates: 30 (06/10), 30 (08/10)
National Auto Lenders	$0	$0	$0	***CLOSED***	N/A	N/A

[AndySoCal]

What does AU mean ... authorized user?

[prolificjinx23]

Yes....... Unfortunately until my credit gets WAAAAY better I'm not apping for anything!!! LOL

[llecs]

Your report is too dynamic to even come to a remote guess. If I had to guess, I'd guess a small net loss IF the following updated at the same time: all of the disputes on the OC accounts clear, the new CCs report, Chevron deletes, and the first two CAs delete. Assuming that you didn't have disputes going on, those CCs updated, and Chevron already deleted, and based on the two CAs alone, then I'd predict a gain of 20 for both (because you have a newer CA, lates, etc; if those were the last two baddies, then certainly much more). Again, only a guess. Keep us posted, though.

[prolificjinx23]

*****UPDATE*****

Jefferson Capital just deleted from EQ this morning!!!!!!!! ONE DOWN!!!!!!! Of course no SW Alerts yet but I'm still happy just to see it off!!! 

This was the result of the dispute I had with EQ.... So the dispute is complete. NO more disputes..... PFD's & GW from here going forward!

[prolificjinx23]

Just got an alert from SW......... 11 points!!!!!! For 1 collection being deleted!!!! WOW!!!!! I'm super happy!!!! 

[sassymomof2]

Congrats!!

[prolificjinx23]

Thanks SassyMomOf2!!!! After working so hard to get 14 (YES 14!!!) collections PAID & DELETED I'm seeing my goal of 650 coming closer than ever!! 

One question for everyone now that you guys have an idea of what's left on my reports.... Do you guys think I'll see an increase or a decrease when GEMB/Chevron falls off given the fact that it is the oldest account on my CR's???? 

[bruiseviolet]

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@prolificjinx23 wrote:

Just got an alert from SW......... 11 points!!!!!! For 1 collection being deleted!!!! WOW!!!!! I'm super happy!!!! 

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WOW AWESOME!!!!!!!!!!!!!!!!!!!!!!!!  CONGRATS!!!!!!!!!!!!!!!!!!!!!!!!!!   

[prolificjinx23]

Thanks BruiseViolet!!!!