When I started my repair efforts in May, I forecasted that I could get to 670 FICO8 on all three CRAs by November 2019.
TU and EQ met my prediction, but it is now clear that on the last day of October, EX is not going to follow suit. It sits at 660, and I am not going to see 10 points when the calendar rolls over tomorrow.
For some reason, EX lagged the other two and continued to report a derog account for a few extra months. I am fairly sure that this "time since derog" is the primary difference and just needs a few additional months of aging beyond the other two. I do think I will see 665 tomorrow on EX, and 670 in the January time frame. (educated guesses, but definitely guesses).
I have not yet decided on my next score based goal. I might forecast a "all at 700" date but that one could take a while. Think I will wait for tomorrow to decide. Thanks for listening.
Sorry to hear, but glad 2/3 met your prediction. If it makes you feel any better, I was hoping to be at 600 within six months (approximately 60-80 pts), which was by today, and EX is only 569, and my other two I haven't pulled, but are probably around the same. 
@OmarGB9 wrote:
Sorry to hear, but glad 2/3 met your prediction. If it makes you feel any better, I was hoping to be at 600 within six months (approximately 60-80 pts), which was by today, and EX is only 569, and my other two I haven't pulled, but are probably around the same.
Hang in there. As I am sure you know, time is the biggest factor, once the derogitories are addressed.
@BallBouncesthey might be holding the 7rs and 180 days to the fullest. Even though we all say 7 yrs is fall off date. There may lie the problem. if so. That sucks! 
@FireMedic1 wrote:@BallBouncesthey might be holding the 7rs and 180 days to the fullest. Even though we all say 7 yrs is fall off date. There may lie the problem. if so. That sucks!
It's not that, it was a (now paid) CO account that the other CRAs stopped updating monthly well before EX did.
It's official, I failed. Not only that, my 660 EX score lost a point when the month turned over, and is now 569. Nothing else changed. Weird. Also, oh well.
I will pull all three scores in a few days and make a new score goal/forecast.