Does anyone know if this score could be considered Prime? Last month my score was 578 today its 660. I had to collections removed from Equifax report. According to Equifax, my score is considered high risk.
Yes I did. My Equifax report has no collections and 1 30 day late 18 months ago. Last month when it was 578, I had 2 collection accounts from Gulf State Credit and they sold the account to Berks Credit and collections. They were both recent accounts, both within the last 6 months. I was able to get them removed via the PA Attorney General. Last month I took a huge hit on my score, with 578. I disputed both tradelines, with the letter from the AG. Equifax deleted both accounts. I received my updated report today. I decided to see how it would impact my score. My beacon is 660. The funny thing is most of my credit cards are at about 80%. I am going to pay them down. I want my utilization at 25%. It is my hope that that will thrust me into the very high 600's or low 700's. Has anyone had any experience with this?
