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diazwoman · #1 (**permalink**) 03.28.2002, 23:03

Wee so I get a charge off deleted in response to an A&S, check
credit expert, dates is for today, no change on score. It was from 1998 but still sheesh not even a measly point????!!!!tis really frustrating!:(

GEORGE · #2 (**permalink**) 03.28.2002, 23:07

Quote:

Originally posted by diazwoman
Wee so I get a charge off deleted in response to an A&S, check
credit expert, dates is for today, no change on score. It was from 1998 but still sheesh not even a measly point????!!!!tis really frustrating!:(

Your LUCKY you didn't LOSE points...

mindcrime2 · #3 (**permalink**) 03.28.2002, 23:14

How many other derogs do you have on your report? If you still have several others, sometimes getting a derog account, or late pay deleted won't affect your score positively much at all.

Case in point. Lizardkings' wife had 1-90 day late on her EQ report from Sears. Her FICO was somewhere around 611. After that 1 derog mark was removed, her score shot up approx 100 points.

diazwoman · #4 (**permalink**) 03.29.2002, 19:16

nods I still have several I am working on so maybe thats it..

razor635 · #5 (**permalink**) 03.29.2002, 21:29

Dont be fooled scores are determined by random number generator. lol

mindcrime2 · #6 (**permalink**) 03.29.2002, 21:33

Quote:

Originally posted by razor635
Dont be fooled scores are determined by random number generator. lol

That's GEORGES line.

-2 FICO points for you.

kit · #7 (**permalink**) 03.30.2002, 06:42

I have had 1 medical collection, 1 60 day and 1 90 day removed from my Experian report over the last month and my score shot up 40 points total. I still have 7 derog accounts. I think you should have had some increase in score with removal of a charge-off. Was this an "unrated" charge-of??

diazwoman · #8 (**permalink**) 03.30.2002, 08:24

Quote:

Originally posted by kit
I have had 1 medical collection, 1 60 day and 1 90 day removed from my Experian report over the last month and my score shot up 40 points total. I still have 7 derog accounts. I think you should have had some increase in score with removal of a charge-off. Was this an "unrated" charge-of??

it was charged off 5 years ago , still showing balance 865.00..
In the last month from Experian I have had two defaulted student loans changed from collections to "Paid", not paid as agreed,just paid but they moved from deliquent to positive section. 1 recent
(2 year old)c ollection deleted and the above charge off deleted.
For a total of 30 points.
Oh and yesterday an inquiry (very recent)was removed for 1 point.