Score on 7/20 611
This included about 96% debt to credit ratio.
3 30 day lates on my car payment (April, May, and August 2010)
1 collection (reported 3/2010)
2 30 day lates on my closed Kay Jeweler account (one from August 2010, one from June 2011)
Disputed the car payment and collection.
Results
3 - 30 day lates on car payment removed.
1 Collection was updated to say reported 3/2011 instead of 2010
Debt to credit remained the same.
Credit score is now 599.
Why did it go down so much when the 30 day lates were removed. The only item that changed was the collection that was updated to say 2011 instead of 2010. On the score report, it did say "1 year, 4months ago" now it is "4 months ago"
How much do you think this collection would really be worth? These are the only negatives I have.
Per collection agency, they will remove if I pay in full.
