Last CA removed from TU!

[Anonymous]

Good afternoon everyone!

Just got an alert that my last CA (all were medical) was removed from TU and I got a nice bump!

Had to share! Keep working on getting those baddies off guys! It's worth it!

<IMG src="http://imgur.com/a/RiP0pPk">

Edit: clearly I have no idea how to insert a photo.  It was a +45 point bump!

[Anonymous]

What an increase, Cole! Congrats! Perhaps you should spring for an AMEX.

[Anonymous]

Thank you!  I'm gardening for now.  I'm planning to apply for a mortgage after the first of the year so I'm not app'ing at the moment.. And then my next card is going to be a Chase!  Right now I'm 4/24, but will be 3/24 when I apply. 

[Anonymous]

Congrats!  This gives me hope!

[xaximus]

Congrats on the removal and the bump in score! It's always nice to see hard work pay off.

[SweetCreditObsession]

Yayyyyy!🤣🤗😂🎉

[Anonymous]

Congrats!!!  --Most Excellent, I also can verify getting rid of those medical collections helps, among other things.  I was added as an AU to a 22.5K fifth third truly simple, and I paid off all credit cards (only had the lousy ones with 300.00 limits, and 2 secured, disco and capone), and paid off 10 medical and one cell phone collection.

So far fox collection (cell phone I think), reports as closed/paid in full, 7 have vanished, 3 remain, that have last report dates of 8/7 and 8/10/2018 respectively - so hopefully next week, they will vanish as well.

But as of now, I've gone from 522 to 620 Experian Fico, I'm hoping when the last 3 fall off to be where you are, around 675, I have ZERO late pays, one closed, and one open auto loan, and one other less than 1K loan that is open.

Again, WOOT, WOOT!  Great Work!

[SarahJo]

That’s wonderful! Gardening prior to your mortgage app is a smart move, patience patience patience ;-)

[19eighty5]

Congratulations!

[Anonymous]

Congrats Cole 🎉 must feel good to see those squeaky clean files. 😁

I feel like our journeys are similar. I'm in the garden until mortgage at the beginning of next year.