I have been rewarded with decent score increases from TU and EX since I have been paying down my cards.
Yesterday my EX jumped to 704 and TU is at 692
EQ has not been so generous and currently reporting a 660 and has been stagnant.
All the same data between the 3 bureaus. The ONLY difference is about 2 years ago when I moved to a new city for a job promotion my old local CU allowed 2 small charges to pass thru to my old savings account and paid them after I had requested the checking account be closed. The CU requirement to continue membership is $5 in a savings account (my membership needed to be active because I have a personal loan and CC with this bank)
This immediately was reported as a charge off and listed as an "Other Account" not a collection.. to which I paid the FULL amount and asked for them to delete it.
2 weeks after I paid the CU the account still showing open/unpaid so I started a dispute with EQ... dispute closed and it was marked paid but my score has not recovered..
Recently I have spoke to various customer facing members of the credit union in an attempt for a goodwill removal with no avail. I am mailing a goodwill letter today in hopes of better luck.
Is there anything else that I can do to get my EQ score on the move up?
Thanks for the advice,
Scott
