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Last Collection Falling Off CRs!

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Established Member

Last Collection Falling Off CRs!

As of today, my last remaing collection from a series of youthful mistakes has fallen off of my Experian CR! It still remains on Equifax and TU, though it should be off of them within the month. In the last 3 years, since I first got a $300 SL CC again and started paying attention, my scores have gone from low-mid 500's to where they are today: EX: 716, EQ: 720, TU: 715 (all FICO 8). I've also gone from that $300 limit with that first card to about $14,300 in total limits and within the last month I was approved for my first ever Amex, a BCE at $5k, and let back in by Synchrony via an Amazon Prime Store Card at $2,100.

 

The only negative item remaining on my CR's will be there for a bit yet. They are a couple straight months of lates on a student loan, the last one was in June 2014 before I got it current again and have kept it that way.

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5 REPLIES 5
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Established Contributor

Re: Last Collection Falling Off CRs!

Congratulations! Looks like you've had a nice climb these past three years. Way to go!

Garden Gnome
11 CC | 1 PLOC | 0 MTG | 0 AUTO
Most recent inquiry: 2020-10
Most recent account: 2020-10
Under 5/24: 2021-05
Message 2 of 6
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Super Contributor

Re: Last Collection Falling Off CRs!

Nice job. Thats how you do it. Any installment loan?

Message 3 of 6
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Established Member

Re: Last Collection Falling Off CRs!

That student loan which is still in repayment. Aside from that and the open credit accounts I still have an auto loan that was paid off about 4 years ago and some other student loans that are all paid off but still reporting for another couple of years.
Message 4 of 6
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Regular Contributor

Re: Last Collection Falling Off CRs!

Congratulations! Feels good having a squeaky clean collections section.






Message 5 of 6
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Community Leader
Senior Contributor

Re: Last Collection Falling Off CRs!

Excellent, congrats on the success!



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TCL $85,600 | Agg. Util under 5%
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