Needing a 740 from 720 mid...Any Advice?

[Anonymous]

But, update! The interest rates dropped so low, I didn't need a 720 to get a fantastic rate. So I have not done AZEO. I just left it at 720. Thank you for all your help!

[Anonymous]

No I meant to clarify that CO meant chargeoff.

We don’t have an abbreviation for collection that I’m aware of.

[AllZero]

Congratulations on your success!

[Anonymous]

@Anonymous Is the collection coming off of your report or is it being paid? If you were simply paying it, you will gain points by basically zeroing a maxed out credit card.

However because the delinquency will be updated you will also suffer a point loss. Who knows where it will come out in the mix.

Now if it’s dropping off your report, oh happy day!

At least the medical collection has had time to age since being paid, hopefully over two years. Definitely a shame you couldn’t get it removed as well.

[Anonymous]

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@Anonymous wrote:

But, update! The interest rates dropped so low, I didn't need a 720 to get a fantastic rate. So I have not done AZEO. I just left it at 720. Thank you for all your help!

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Congratulations!

[Anonymous]

Well if you can get your points up, I bet You you will still get a better rate!

[Anonymous]

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@Anonymous wrote:

the Collection that is coming off in March, Is a charge off. I will not be paying them. The medical collections was paid less than a year after it was first reported. There is no balance. 

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Lol! Turns out I was using the correct abbreviation without knowing 

[Revelate]

Grats Nell, yeah mortgage rates are pretty sweet currently and may even be headed lower.

Honestly I use CA for collections.  It's close enough TBH and isn't confused with collection agency (wasn't agent to my knowledge?  Language changes even here on these forums and I may not be up to date) just based on context.

I have a CA on TU vs I was talking to the CA and...

[donkort]

You still might get to 740.