Scores are available. Mine is 654. Up from 647 last month. Fico08 was 618 on the 3rd and fico04 is always lower so I dunno what's up. I had one last collection holding my eq down. Tu and ex deleted already. Dcu says the only thing impacting my score is short credit history. Last month it was that and public record or collection reporting.
Did my collection finally get deleted? 654 fico04 seems a little low, even with a clean report. Granted my aaoa is .5 so that is likely holding it down. But if my final account was deleted, I'd expect a nice jump. I have a complaint out against eq with the cfpb. I can check backdoor but I don't wanna get locked out from checking too often. I've been checking weekly basically for 2 months. My cct 3b is available the 3rd, so I'm anxious to see that. When ck updated this week, it said that collection was updated (for whatever reason, it's been pif and closed for years) on the 19th. Vantage score didn't move from the week prior. Fico08 was at 618 nov 3rd from 634 oct 4th because the ca updated it on nov 1st. Dcu on oct 28th must have been right before the ca updated it so my score there didn't tank. Now was ck this week right before eq decided to delete finally?
Edit: I'm obviously blind, because one of the factors is STILL "you have a public record or collection". Must have went up a bit from increase aaoa like my other scores.
