@Anonymous wrote:
Thanks to all that played!!! FICO is an interesting game...
My score is 655.
I was also hoping to update with the collection removed but it looks like that will take a bit longer.
I filed with the CFPB and was expecting (dreaming of) a quick resolution. The CA (NCS) stated, "this matter should not be marked as past due" and NCS is investigating and will respond in full once complete. Very frustrating as there is no question the collection is not mine. CFPB stated the response will come within 60 days. Ugh
Even more frustrating than trying to clear one's file of one's own past baddies, clearing someone ELSE's baddies off your own file.
Hoping for a quick resolution for you.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765