My husbands equifax score is only 521, down 60 points from less than a year ago, yet we have had several collections removed since then, gotten a mortgage and paid perfectly for 10 months. We still have 2 charge offs but they are both 4-5 years old. Also have a Ch 13 that was filed in 98. We have two credit cards with fairly low limits and two car loans also paid perfectly for 2 years. What is the deal? It is so frustrating!!!!!
Here's another one. My bk-13 is due to fall off in Oct/2003. EXP drop it early in July, my score with them drop from 705 to 660. I checked this past weekend and my score drop another 6 pts. with no noticable changes. I've been told that my accounts that remain must have some age to it before my scores will go up. I only have one account older than 2000 so it could me that I need a few more months of aging. I know it's like beating your head against the wall but any removal of negative items will benefit your scores and you in the long run. Best regards, Mirage
