Equifax went from 652 to 694.
I'm waiting to see if Midland Colleciton drops off. It is listed as a 2 1/2 year old collection with 120+days late recently reported with a balance of $1700.
OC was Household Bank which had also listed this as charge-off, $0 balance (sold)).
HB dropped it off my reports recently after I 'DV'd' them and apologized.
So I wrote to CRAs showing them the letter, asking how a CA could report a debt the OC couldn't verify and had dropped. I also showed them the receipt from the Certified Mail and Copy of DV letter I had sent same time to CA which they never answered. So my point to CRA was how can a CA report a debt that OC can't verify especially if CA was asked to verify and did not in 30 days besides?
I'm thinking if i lose a fairly recently unpaid collection, I should be in the low-mid 700s. In any event, Midland drops off in June.
Only baddie on Efax will be my paid collection (Dr. wouldn't remove it) and a 6 1/2 year old Cap1 Charge-off that drops off in August. So if I keep paying cc's then I think by years end my score should be great!
