direred Posted July 5, 2007 Report Share Posted July 5, 2007 Had my big baddie drop off EQ. It was not my oldest account, and doesn't seem to have affected my average age. Since I got my FICO scores recently, I can say that there's no change in utilization or accounts that would have affected my score -- I'm simply on a different scorecard.I should add it's not my last baddie on any CRA: I still have 1-2 baddies on each (4-year-old 30 day lates).So:EX: up 24 points to 648.EQ: down 34 points to 598. I haven't had a score below 600 on EQ for 18 months. Bah.Then (1/1/06, score 599):Unpaid chargeoffs: 2Utilization: 106%Length of history: 13 yearsAccounts opened in the last year: 5Total # of late payments: 32Recent inquiries: 8Collections: 1Now (7/3/07, score 598):Unpaid chargeoffs: 0Utilization: 41%Length of history: 13 yearsAccounts opened in the last year: 8Total # of late payments: 7Collections: 0Recent inquiries: 6 Link to comment Share on other sites More sharing options...
gypsie Posted July 5, 2007 Report Share Posted July 5, 2007 I know that makes you wanna Link to comment Share on other sites More sharing options...
direred Posted July 5, 2007 Author Report Share Posted July 5, 2007 I know that makes you wanna Yes, it does!Well, at least I'm not back to where I started. Quite. Link to comment Share on other sites More sharing options...
chucksnee Posted July 5, 2007 Report Share Posted July 5, 2007 I just had a recent charge off removed (NOV 06 chargeoff) and no score change as of yet? Link to comment Share on other sites More sharing options...
direred Posted July 5, 2007 Author Report Share Posted July 5, 2007 I just had a recent charge off removed (NOV 06 chargeoff) and no score change as of yet?Your score would have changed as soon as it would have been removed. Link to comment Share on other sites More sharing options...
IHateCAs Posted July 5, 2007 Report Share Posted July 5, 2007 Odd.The only thing worse on your report now compared to then is your recent account openings. Link to comment Share on other sites More sharing options...
direred Posted July 5, 2007 Author Report Share Posted July 5, 2007 Odd.The only thing worse on your report now compared to then is your recent account openings.Yes. The number of accounts with balances (as a proportion of total accounts) is also an issue now as it was then. (then: 16/31, now: 23/45) Other than that, I owe just about exactly as much as I did then. Harumph.I just activated some that had gone fallow, so those are going to be paid off, and then I'll work on getting the others paid down.I think I just need to go do something else for six months. I get crazy about applying when I'm on various credit-related boards. Link to comment Share on other sites More sharing options...
chucksnee Posted July 6, 2007 Report Share Posted July 6, 2007 Your score would have changed as soon as it would have been removed.Well, I use freecreditreport.com. Now i'm confused? Check it one day the charge off is there, check it 2 days later chargeoff is gone---score stayed the same?Soon i'll check myfico, and see...Thank you. Link to comment Share on other sites More sharing options...
direred Posted July 6, 2007 Author Report Share Posted July 6, 2007 Well, I use freecreditreport.com. Now i'm confused? Check it one day the charge off is there, check it 2 days later chargeoff is gone---score stayed the same?Soon i'll check myfico, and see...Don't count on any scores other than Fair Isaac's. No one else does. Link to comment Share on other sites More sharing options...
chucksnee Posted July 8, 2007 Report Share Posted July 8, 2007 Don't count on any scores other than Fair Isaac's. No one else does.I really don't count on any other than FICO, but it's nice to see something change? I just like to see things leave my report no matter who gives it to me.. Link to comment Share on other sites More sharing options...
direred Posted July 8, 2007 Author Report Share Posted July 8, 2007 I really don't count on any other than FICO, but it's nice to see something change? I just like to see things leave my report no matter who gives it to me..Oh, I totally get you on that point! Link to comment Share on other sites More sharing options...
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