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No inquiries since last week (only "pre-qualify" sites from Chase & Citi), no late payments....actually had 2 collections removed & TU score went down 23 points while EQ actually went up (surprise! always the worst).....My utilization has gone up a bit as I just made vacation purchases & there are some new accounts (credit AGE is young). Could this just be "growing pains" that will even out over the next few weeks?
EXP 654 (up 5) EQ 627 (up 22) TU 635 (down 23)
Do you have remaining collections and/or any other negative items? If so, removing anything but all of them isn't going to result in much of a score gain if any at all. If you still have a collection or other negative item present, that's going to be the main thing holding your scores back.
i'd suspect new accounts and Utilization.. I'm sure you've heard this but patience is the key. It's not a sprint but a marathon as the saying goes..