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I2 and M5, How bad is it hurting my FICO score?

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IvDogg
Established Member

Re: I2 and M5, How bad is it hurting my FICO score?

To Update:

 

- Got the whole M5 TL removed early from my CR.

- Got in touch with someone at GM financial and it now reports I1.

Starting Score (Feb 2014): EXP:583 EQ: 585 TU: 610
Current Score (5/1/2014): EXP:707 EQ:681 TU:671(All Fico)
Goal Score: 725 (all three)

My Wallet: Navy FCU Cash Rewards Signature Visa $24k, Discover IT $7k, Amazon Rewards Visa $5k, Hawaiian Airlines World MC $4000, Gold Delta SkyMiles $2k, Cap One Quicksilver $3800, Military Star Card $2625, Bestbuy Reward Zone $300, Horizon Gold $500
Message 11 of 13
TrulyyBlessed
Regular Contributor

Re: I2 and M5, How bad is it hurting my FICO score?


@AndySoCal wrote:

It can still re-appear if PNC re-reports the account. Look at your credit report and look at the date it was last reported if it is not recently then I would not worry about it.


That reminds me of a question: If your reports are froze can a creditor/collection company re-report a trade line that the bureau previously deleted? Anyone ever experienced this? Thanks for any info. 


Starting Score: Nov. 2012 585
Current Score: EQ 733 EX 777 TU 743 Goal Score: 750+






Message 12 of 13
IvDogg
Established Member

Re: I2 and M5, How bad is it hurting my FICO score?

So my PNC mortgage has been excluded from my report for being obselete, and GM Financial was fixed...

 

It popped back up with the inaccurate status again, showing my account as currently past due, yet $0 balance, account closed...  It doesn't make sense, but it still effects my score negatively.

 

After the current account status change from Pays as agreed, to 'Pay 31-60 late' or similar my score dropped by at least 10 points on EQ.

 

How do I get permanent results from GM financial on this??

Starting Score (Feb 2014): EXP:583 EQ: 585 TU: 610
Current Score (5/1/2014): EXP:707 EQ:681 TU:671(All Fico)
Goal Score: 725 (all three)

My Wallet: Navy FCU Cash Rewards Signature Visa $24k, Discover IT $7k, Amazon Rewards Visa $5k, Hawaiian Airlines World MC $4000, Gold Delta SkyMiles $2k, Cap One Quicksilver $3800, Military Star Card $2625, Bestbuy Reward Zone $300, Horizon Gold $500
Message 13 of 13
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