@Anonymous wrote:Yep that's what I do as well -- record those reason codes every time they appear and see when they change and why they may have changed. I have the trifecta of baddies right one, one of each: 1 charge-off (2015), 1 unpaid lien (2010) and 1 collection (2017) so there's no way for my FICO changes to be reflective of others who generally have multiples of each. I think I'll get rid of all 3 this year but each one will be 1-2 months apart likely as I don't have the energy to fight a multi-front war and track all my letters properly. Even so, once they're gone, my thin credit profile will not mean much with an AAoA of 12 months consistently. I'd guess I'm 2.5 years away from getting out of all the unhappy scorecards just based on waiting for AAOA to go up enough to matter.
I absolutely can't believe someone with a 90D can get up to 780 FICO -- of course everyone I know personally with a 780 FICO have zero lates but high utilization, and I've personally never seen anyone with a 90D even in the 700s because anyone I know with a 90D has 10 accounts with 90D along with a plethora of other baddies!
It was seriously just one report and Ive never seen before or since TBH. Yeah there was a metric ton of positive credit history behind it, and it'd be like a needle in the haystack to find it on these forums again. I just remember it from being so surprised at the report.
That said, if I had 20-30 points higher on TU as a result of installment utilization, I'd be be possibly in line with that today with the old 60D and recent 30D... but we just don't know 90D vs 60D when it comes to FICO 8 besides what various talking heads have said and with the dates of exclusion I couldn't tease that out on my file unfortunately.
@Anonymous wrote:How much does a credit score go up monthly with no activity or very little activit? For example I have only 1 credit card and no open loans. My student loans are in deferement while i finish graduate school and my auto loan in paid off. No late payments.
Is it possible to see significant score increases with no activity besides credit card payments? Current utilization in 9% I am worndering if time alone will get my experian above 700. Credit card was opened in 2014. There are 2 late payments of 30 days from 2015. 1 late in 2016. No 60 or 120 day lates. 2017 all clear.
Yes. The passage of time is probably one of the most important ways to increase your score.
