EX only went up 5pts after deletion of Public record AND Charge off

[FirstAscent]

I'm super excited for the 5 points, I'll take every little bit I can during my rebuild. But I was sad to see my EX score only jump up 5 points after removing a past charge off AND a public record (tax lien). I didn't expect much from the CO since that was just an early exclusion and was going to fall off in a few months anyway but was hoping for more on the PR. 

Oh well, 5 is better than 0 and my credit profile is looking better/cleaner one account at a time. 

I also got an email today from AFNI (collection) that they will be removing a collection from my account so hoping for at least a few more points there.

[Anonymous]

Were those Fico points?

[thornback]

Did the removal of the chargeoff drop your AAoA by chance? Since it was an EE, I'm guessing it was 6.5+ years old.. maybe the score drop from reduced aaoa nearly cancelled out your score gains...?

Also, how many other negatives are on your report? That may be stifling your point gain a bit too...

Regardless, congrats!! You're closer to a clean report than you were yesterday and 5 points during rebuild is nothing to sneeze at.

[FirstAscent]

Yes they were FICO8 points.

I have some other old accounts so it didn't affect my AAoA thankfully, that's still at about 7 years which is about where it was before.

I do have other negatives on my report so that could be affecting it too. For this specific report I still have a collection which I just found out earlier today is being deleted but not gone yet. then there is still one more collection that probably won't go away for a few more years, it's small, about $450. and then I do have a lot of late payments from an auto loan (now paid off in full) and student loan late payments. No late payments within the last 12 months though.

Currently util is at 51% but is now PIF just not reflecting on my report yet. 

But yes, as you said, It's still closer regardless so I'll take it!

[thornback]

Yea, the late payments are going to keep you down for at least the next 12 months.   Good job getting the collection removed -- that's something to look forward to.    I would still continue trying to get the other collection removed too though - even if it seems highly unlikely. 

Also - when the reduced util reports you should see a decent boost again - so April ought to be an exciting month for you!  Nice work!

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@FirstAscentwrote:

Yes they were FICO8 points.

I have some other old accounts so it didn't affect my AAoA thankfully, that's still at about 7 years which is about where it was before.

I do have other negatives on my report so that could be affecting it too. For this specific report I still have a collection which I just found out earlier today is being deleted but not gone yet. then there is still one more collection that probably won't go away for a few more years, it's small, about $450. and then I do have a lot of late payments from an auto loan (now paid off in full) and student loan late payments. No late payments within the last 12 months though.

Currently util is at 51% but is now PIF just not reflecting on my report yet. 

But yes, as you said, It's still closer regardless so I'll take it!

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[FirstAscent]

Thanks @tmr I can't wait for the late payments to not affect me as much. yeah I'm not giving up on the last collection I just am not expecting much from it haha.

April will be good indeed, I got a solid bump across the board when i went from 91-51%, so hoping for something similar from 51-1%.

Little by little! =)