Score boost. Is this real?

[Anonymous]

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom (accounts, not inquiry) was added to my report on the 21st and that did not change my score. 

I found that a 120d late payment was removed and the account went positive status/current instead of paid after chargeoff for an old school loan back in 2007 that I made payment for in 2011. Thank you Lexington Law!

Transunion only collection was removed.

Both EQ/TU V3 scores dropped 50-60 points. I guess V3 sees it differently. Anyway, Fico went up and I am happy. CLI's here I come!!!

[Anonymous]

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@Anonymous wrote:

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.

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Something changed... My wife had a collection age off her account and it jumped 28 points on her a few weeks ago.

[SecretAzure]

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@Anonymous wrote:

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.

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While the card(s) you got might have only shown a hard pull and no change, it might be Experian seeing your new credit lines with an overall total CL. Maybe. Anyways, congratulations! That's progress!

[Anonymous]

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@SecretAzure wrote:

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@Anonymous wrote:

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.

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While the card(s) you got might have only shown a hard pull and no change, it might be Experian seeing your new credit lines with an overall total CL. Maybe. Anyways, congratulations! That's progress!

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Studied the new report and posted what I have found in the OP. Thanks

[Thomas_Thumb]

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@Anonymous wrote:

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom (accounts, not inquiry) was added to my report on the 21st and that did not change my score. 

I found that a 120d late payment was removed and the account went positive status/current instead of paid after chargeoff for an old school loan back in 2007 that I made payment for in 2011. Thank you Lexington Law!

Transunion only collection was removed.

Both EQ/TU V3 scores dropped 50-60 points. I guess V3 sees it differently. Anyway, Fico went up and I am happy. CLI's here I come!!!

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Congratulations on clearing out the derogs! The impact of these events can be rather confusing (and unpredictable at times) when your profile is assigned to a different scorecard. Getting rid of baddies is always a good thing.