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Please help!Removed as authorized user from DISCOVER with high balance

deea_mary
Valued Member

Re: Please help!Removed as authorized user from DISCOVER with high balance

I checked my old Sprint account and I see the balance past due.Now,should I just pay Sprint directly or pay the collection company?

I read somewhere here that I could pay Sprint and then dispute the collection.

Fico Scores -March 2020 Experian 583 /Transunion 564 / Equifax 591
Message 11 of 16
RSX
Valued Contributor

Re: Please help!Removed as authorized user from DISCOVER with high balance

Which score dropped 68 points?  Sounds more like a Vantage than a Fico

 

if it was maxed out it should have been doing more harm than good.  Util is rated higher than age

 

That Merrick turning 2 yrs old should help. And the lower util. I would wait until both those happen. That will be his real score.  

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2020 EX. 729 EQ. 723 TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
June 15/2022 EX. 714 EQ. 684 TU 710
Inq. EX 2 EQ 5 TU 4 - - CC 5x24, 2x12
Amex BCP $32k - Apple GS $19k - BMW/Elan $14k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $25.5k - HSBC Gold - $13k - PayBoo - $7.6k - Penfed Gold - $12.5k - USB AltitudeGO -$16k- USBank Cash+ -$24k - PenFed LOC - $20k - USB LOC - $8k
Message 12 of 16
FireMedic1
Super Contributor

Re: Please help!Removed as authorized user from DISCOVER with high balance

Sprint is pretty good at taking payments and recalling the debt from the CA. Good Luck!





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 13 of 16
deea_mary
Valued Member

Re: Please help!Removed as authorized user from DISCOVER with high balance

You are right,it is a vantage score.I was using credit karma.

Fico Scores -March 2020 Experian 583 /Transunion 564 / Equifax 591
Message 14 of 16
RSX
Valued Contributor

Re: Please help!Removed as authorized user from DISCOVER with high balancee

Ok. If your real score (FICO) changes at all if is likely in the 2-10 range at the most

 

think of Vantage asa Dramatic scoring system.  Big swings up and down. 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2020 EX. 729 EQ. 723 TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
June 15/2022 EX. 714 EQ. 684 TU 710
Inq. EX 2 EQ 5 TU 4 - - CC 5x24, 2x12
Amex BCP $32k - Apple GS $19k - BMW/Elan $14k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $25.5k - HSBC Gold - $13k - PayBoo - $7.6k - Penfed Gold - $12.5k - USB AltitudeGO -$16k- USBank Cash+ -$24k - PenFed LOC - $20k - USB LOC - $8k
Message 15 of 16
2Hogrider
Established Member

Re: Please help!Removed as authorized user from DISCOVER with high balance

I would have him apply for a couple of store cards as they are more lenient about approvals and cl's this would help his score my having more revolving credit accounts and help with the utilization as most store cards approve with good SL

 

Message 16 of 16
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