FICO of 734 - weird

[MidnightVoice]

OK, so after 21 months of being a good citizen with no reward on my FICO score, and disputing several problems, one derogatory drops off and my score goes up 55 points?

Insane.  Great, but insane

[Anonymous]

Congrats!  The increase is also due to your credit history and accounts aging by almost 2 years.

[MidnightVoice]

It is the pattern I don't understand.  No derrogatories for 6 years, same pattern and score more or less for the last two years (650 to 680), flat scores then this huge hike.

[Anonymous]

I don't know either, but if you can figure it out and bottle it....I'll take 2 bottles.

[MidnightVoice]

I just pulled all 3 reports and scores.  My 2001 collection has been dropped from two of them, and my number of delinquencies is down to 1.  I did a lot of disputing this winter, and it seems to have worked.

That and the constant paying of bills on time 

[Anonymous]

Congrats, I can't wait till I get there!!!

[Tuscani]

Congrats!