Ok, I'm going to go ahead and put details about my records on here (slightly edited) so we can see the difference that it seems to make on scores. Keep in mind, there are other positives on my Experian report that are having a major impact but this will show a bit how negatives - even old ones - are hitting me. Hope this helps someone out there...
TU 687 (2/14/08)
Inq's 3 new, 7 total
Derogs:
6 accounts included in 5/2001 BK7
2 accounts with 2x30 from 2002
EQ 673 (2/14/08)
Inq's 4 new, 8 total
Derogs:
5 accounts included in BK7
2 accounts with 2x30 from 2002
(note, balances not showing paid down on this one either so it's slightly low due to that as well)
EX 721 (2/12/2008)
Inq's 2 new, 3 total
Derogs:
2 accounts incl in BK7
2 accounts with lates, one 2-30 and one (that I've fought for years) reaff showing up to 90 days late in 2002
*on the plus side for EX - my new cc with $5000 limit is showing on here, which dropped util to about 20%, it had a nice impact!
