@CreditInspired wrote:Okay, thanks.
You may be getting rebucketed. Here is a link to understand what rebucketing mean. But the key is--don't give up. There is a light at the end of the tunnel.
https://rebuildcreditscores.com/fico-scorecard-buckets/
Also, others will come along to shed more insight on what is happening.
Outstanding read! Glad you brought it forward for others to benefit from. Knew a lot of the information from others but, now I actualy read it for myself! 
So a couple of things. Rebucketing doesn’t apply if the core information, which in the derogatory scorecard means various delinquencies and records/collections, doesn’t change then you aren’t going to change scorecards other than maybe age that very much depends on what FICO model (generation) we are talking about.
Derogatory scorecards you can sit for years at a fixed score: I did. The same is true in the positive scorecards too if you have a mature and squeaky clean file (or as clean as it’s going to get, again material change in the data) you flatline too.
Now specifically for those in a rebuilding phase: you still need to be building positive tradelines and you should do that ASAP in opening some credit cards and even a small installment loan too.
From the scores listed, good chance there isn’t much in the way of positive history; also CO’s update monthly which is why they are so unfriendly but until paid or removed, pain arguably worse than a BK or previously tax liens as another example.
Anyway focus on the CO’s (charge offs) which are awful from a consumer credit scoring perspective, and not collections (CA = collection agency). I know the acronyms get confused as it is messy.
Derogatory scorecards you can sit for years at a fixed score: I did. The same is true in the positive scorecards too if you have a mature and squeaky clean file (or as clean as it’s going to get, again material change in the data) you flatline too.
Now specifically for those in a rebuilding phase: you still need to be building positive tradelines and you should do that ASAP in opening some credit cards and even a small installment loan too.
From the scores listed, good chance there isn’t much in the way of positive history; also CO’s update monthly which is why they are so unfriendly but until paid or removed, pain arguably worse than a BK or previously tax liens as another example.
Anyway focus on the CO’s (charge offs) which are awful from a consumer credit scoring perspective, and not collections (CA = collection agency). I know the acronyms get confused as it is messy.
