So, my last baddie fell off earlier this month. I was finally eligible to pull my free 3 bureau report from EX today. The result is that my TU went up 42 points to 785. I don't know exactly how much the derog accounted for as several things have happened on my report since then: new account (FNBO) reported, another card reported $0 balance.
Interestingly, TU still lags the other two by 20+ points with the accounts reporting the same balances. TU and EQ are exactly the same on the open accounts and EX is reporting a small real estate loan that the other two aren't. It will be interesting to see if TU catches up to the others over the coming months.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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My TU reports the same as others and is lower as well. Congrats on the big bump!
Thanks, @JFox418. I don't know what it is, but I will investigate over the next couple of months to see if anything changes. Maybe they hate the new accounts worse than the others.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Junejer wrote:So, my last baddie fell off earlier this month. I was finally eligible to pull my free 3 bureau report from EX today. The result is that my TU went up 42 points to 785. I don't know exactly how much the derog accounted for as several things have happened on my report since then: new account (FNBO) reported, another card reported $0 balance.
Interestingly, TU still lags the other two by 20+ points with the accounts reporting the same balances. TU and EQ are exactly the same on the open accounts and EX is reporting a small real estate loan that the other two aren't. It will be interesting to see if TU catches up to the others over the coming months.
Congratulations. That's a nice piece of news.
Thanks, I was holding my breath hoping it hit 800.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Congrats on the point boost and getting a clean report ! 
Thanks, @FireMedic1 and @pizzadude! I appreciate it.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@KingJaffeJo wrote:congrats on that boost! It's always good to hear about others getting great scores and making progress. Keeps me motivated as well!
Thanks @KingJaffeJo! Been a long road to get a clean report...feels good. Keep on pushing ahead.
Starting Score: 469Current Score: 824
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge