Score hasn't changed in 3 months ?????

[Anonymous]

I don't understand I paid off my vehicle 3 months ago on-time, paid off 2 collection accounts one with Capitol One and Verizon about 2 months ago, I have two credit cards HSBC and Orchard Bank ($900) combined were at 78% Util and I paid $700 towards the both of them now just waiting for the update to occur and my score hasn't changed in a little over three months now.  Before I paid off the items mentioned above I was averaging a 9 point increase every month.  Now my score has dropped from 587 to 566 and hasn't changed since. I have no new collections, or late payments just one inquiry from a month ago. Currently I have 2 old collections $2,712 and $1,515 both from 2006, no installment loans or mortgage loans, recently disputed 2 items one removed one updated to paid in full.

3/09/2008 587

6/04/2008 566

[GFer]

Seems a lot of them are late reporting lately. I've had the same problems and so have many others.

Quick to report when it's derogatory, though!

[marty56]

It seems to me that CCCs report PIF and lower util less often then when you increase your balance.  TU is bad about that.  I think EQ is the quickest (for me).  The have a crack team of commandos waiting to spring into action to report derog information on me.

[Anonymous]

I am just envisioning credit ninja's breaking through my window and throwing a Chinese star at my Macy's card.