Why Hasnt my score changed drastically in 3 Years?

[tboy1977]

I believe so.  If you balances and debt-ratio are in line, then that is all that is left.  You can try to cheat with a service like Lexington Law Firm, but the best way is to let time heal old wounds.  Besides, if you use them, you risk losing the tradeline entirely, rather than simply the lates.  Another thing you could do is call the creditor, tell them you wish to apply for a mortgage and ask if they will "reage" the account(s) in question.  They are under no obligation, and may not, but it won't hurt to call and ask.

[Anonymous]

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@Anonymous wrote:
So the 5 year old negatives are what’s holding me back still? Basically whenever they go the score will stop being stagnant?

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The huge jump on April 21st 2017, from 705 to 827, was from the removal of 2 x 4.5 year old collections taking my profile from dirty into clean, a $600 paid medical and a $50 unpaid medical copay, AAoA 7+ AoOA 14+ AoYA 2+ at that moment.

[Anonymous]

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@Anonymous wrote:
So the 5 year old negatives are what’s holding me back still? Basically whenever they go the score will stop being stagnant?

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That is correct.  If you'd like to try and speed up the process, hit up the rebuilding forum and do some reading regarding GW letters.  Even if you're unsuccessful and/or don't feel like giving it a try, at least you're only looking at another 2 years since you're already 5 years in.

[RonM21]

And on the GW letters they are always worth a shot. No harm done in trying, and trying multiple times. Once these negatives fall off of your report, it will be amazing how great your credit scores will be looking after that. I'd also say lack of an installment loan is hurting you a little as well, but those negatives are the main culprits.

[Anonymous]

That is awesome Old Man!! Thanks for sharing! 

[Anonymous]

Wow ok I was hoping for better new it gets so boring seeing 660 every day for 3 years lol. I’m also looking forward to when they do age off though I’ll have a pretty decent score by then I’m sure.

During the first two years, I sent probably close to a hundred goodwill letters to the two creditors to no avail and gave up on it and decided to just let them age off. The gw letters did work for about 4 other negatives I had on there though I used to scour the rebuilding forum lol.

[Pikaboo-icu]

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@Anonymous wrote:
Wow ok I was hoping for better new it gets so boring seeing 660 every day for 3 years lol. I’m also looking forward to when they do age off though I’ll have a pretty decent score by then I’m sure.

During the first two years, I sent probably close to a hundred goodwill letters to the two creditors to no avail and gave up on it and decided to just let them age off. The gw letters did work for about 4 other negatives I had on there though I used to scour the rebuilding forum lol.

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It wouldn't hurt to try one more round of GW letters.

A few years have gone by, maybe there will be a new employee opening the mail.

It surely can't hurt. 

[Anonymous]

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@Pikaboo-icu wrote:

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It wouldn't hurt to try one more round of GW letters.

A few years have gone by, maybe there will be a new employee opening the mail.

It surely can't hurt. 

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I agree.  Company policy can change or evolve over time as well, so for any number of reasons the probability of a more favorable result may have increased over that span of time.

[Anonymous]

Another thing to keep in mind is that the new Fico 09 score model gives much less weight to paid collections, if any at all. If more lenders switch to that model, you might be in a better place much quicker. I have one paid collections account on my report and my fico 9 scores are 30-50 points higher than my Fico 08 scores, which still weighs paid collections.  

[Shadowfactor]

It's taken me roughly 18 months to move from a 512 to the low 700's with collections. I started out with 6-7 collections.

TU and EQ sit around 710 now with one collection from 2014.

Disputed that same collection with EX and got it removed sitting at 776 with a clean report.

For TU and EQ. I entered the 700's roughly 16 months later after a 512 score.

AoOA: 9.5 years ( closed) Just had one 10 year account fall off which hurt my scores a little.

AAoA: 1 year 10 months. I've opened 16 new accounts within the past 18 months.

AoYA: 3 months

With less new accounts I bet I would be in the 800's on EX and around 750's with TU and EQ being dirty