Why Doesnt my score go UP?
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  1. #1
    Join Date
    Oct 2002
    Posts
    19

    Why Doesnt my score go UP?

    I have been doing self credit repair for the last 6 months or so, and i have managed to get 2 reposessions, numberous collection accounts,and some lates removed. I do still have one collection thats on 2 of my reports for 1200.00 and a few little ones for 200 dollars that im just gonna pay. (it seems like the little ones are the most stubborn to come off)

    Anyway, i have done all this work and still my score isnt comming up.... someone pulled my credit to try to give me a personal loan to pay off the remaining debt so i can try to get a mortgage and I was declined... Credit score was only 522. Experian credit watch says 645 credit score.

    Why isnt my credit score comming up? I have several loans paid off that are perfect with no lates, i have a couple of open accounts that have no lates and these are long standing accounts.... What gives?

    Please help me understand

    RObyn


  2. #2
    Join Date
    Sep 2002
    Posts
    49

    Why Doesnt my score go UP?

    Robyn,

    I have read many times that people will experience a significant jump in their scores when the last derog. has been deleted from their reports. However, it sounds like you still have quite a few collection accounts on your reports. Collection accounts do damage to your scores whether you owe a little or a lot. Getting more of these deleted will bring your score up. Also, if you are going to pay some of these, negotiate hard for deletion.
    Simon


    EQ: 539 on 1/16/02 - 647 as of 10/20/02
    EX: 571 on 1/16/02 - 679 as of 10/20/02
    TU: ??? on 1/16/02 - 648 as of 10/20/02

  3. #3
    Join Date
    Mar 2000
    Posts
    20,468

    Why Doesnt my score go UP?

    RNG

  4. #4
    Join Date
    May 2003
    Posts
    490

    Why Doesnt my score go UP?

    It sounds like the balances on your open accounts are killing you right now. Go to the FICO score simulator on Experian and find out if this is the case. Put in the situation that pays down the balances.
    EQ 694 2002 EQ 400's
    TU 710 TU 400's
    EX 692 EX 400's
    BK 09/01

  5. #5
    Join Date
    Apr 2003
    Posts
    104

    Why Doesnt my score go UP?

    My hubby just had a medical collection removed from TU. His score literally jumped 116 points. We were pleased.

  6. #6
    Join Date
    Oct 2001
    Posts
    2,482

    Re: Why Doesnt my score go UP?

    Originally posted by BurnIt
    My hubby just had a medical collection removed from TU. His score literally jumped 116 points. We were pleased.
    Was it your last derog on that report?

  7. #7