Score Projection After Collections Removed

[Steelers1972]

Hi Guys,

I just wanted to give an update almost 45 days later.

My FICO scores are now 651 (EX), 705 (EQ), and 625 (TU).

I was so happy that at least on EQ I've broken 700! I'm getting there!

On EX & TU, I have 2 charge-offs that I paid but are still showing the balance, and I still have one collection showing unpaid on those two bureaus (the only collection that remains). I paid the collection, but it's not showing paid yet. I sent them (CKS Financial) a goodwill letter to see if they would remove it since they didn't agree to PFD by phone. I paid it anyway and am waiting to see if my goodwill letter does any good. 

I said I'd post an update, so there it is! Hoping I'll have more good news as time goes on. 

[SouthJamaica]

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@Steelers1972 wrote:

Hi Guys,

I just wanted to give an update almost 45 days later.

My FICO scores are now 651 (EX), 705 (EQ), and 625 (TU).

I was so happy that at least on EQ I've broken 700! I'm getting there!

On EX & TU, I have 2 charge-offs that I paid but are still showing the balance, and I still have one collection showing unpaid on those two bureaus (the only collection that remains). I paid the collection, but it's not showing paid yet. I sent them (CKS Financial) a goodwill letter to see if they would remove it since they didn't agree to PFD by phone. I paid it anyway and am waiting to see if my goodwill letter does any good. 

I said I'd post an update, so there it is! Hoping I'll have more good news as time goes on. 

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Nice going. Congratulations.

[AndySoCal]

@Thomas_Thumb  Your payment performance codes are not correct.

Refer the current manner of payment

https://www.transunion.com/content/dam/transunion/global/common/documents/TU-How-to-Read-Credit-Repo... 

[Thomas_Thumb]

I see there are 5 different tyes of accounts listed in the TU link. That's interesting. I have always wondered how Fico differentiates types in their credit mix assessment.