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Did I mess up? Can't understand score

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Anonymous
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Did I mess up? Can't understand score

I was able to get three charge offs removed that I had paid. I thought I would get an increase on my score. Instead it went down. I still have 2 CO left.

Was I supposed to leave them on so they would be like an old account?

Another new negative factor listed I've never seen before was "no use of current revolvment account." Is this because my rebuilder cards have a zero balance?

Just thought I'd get a little bost from those items removed. Guess I should've let the Charge offs stay on
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Anonymous
Not applicable

Re: Did I mess up? Can't understand score

Can't say you get a boost from removing a few baddies from your report when there are others still left. You might try leaving a statement balance on atleast one of your cards. That definitely helps.
Message 2 of 3
AndySoCal
Senior Contributor

Re: Did I mess up? Can't understand score

The 3 charge off you were able to have removed were they newer or older than the charge offs on your credit report now?

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 07/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 06/2023 25,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25
Banking: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU Commonwealth FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
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