@Anonymous wrote:In 2014, I basically had no credit. We wanted to buy a house and the loan officer gave me a list of things to do to. I had one open account (bought washer and dryer from Conns) which was paid off 9 months later and shows as a closed, pd loan account. My AAoA shows an increase from 2 yrs 4 mo up from 2 yrs 2 mo. I had a small medical collection of $150 in 2014. I disputed and fought this because it wasn't mine. TU removed it then (2015). The other 2 removed it in March or April this year. I have 11 credit cards. Two have a balance. One is the embroidery machine mentioned that I bought 16 months ago on a 0% finance promo. I pay $200 monthly and it is down to 43% of my credit limit. The other is Discover with a $425 balance ($27500 limit) that was just pd today (due date is Wednesday). This was a vacation charged in April when Discover offered 0% for 12 months. The statement cuts around the 15th. Overall utilization 4%.
This is really the most bizarre thing I have seen in a long time.
I think you need to get a real, full credit report. and go through it in detail. Don't rely on just the notifications here.
I will guess that these are somehow coming back, possibly by the sale of the collection amount to a collector. The bureaus may have removed it, but if it is refreshed by a new owner of the debt, that reappearance would drop your score.
Nothing else, and I mean NOTHING else in your recent experience can account for the change. AAoA is cute and interesting, but not going to do this type of score change.
