In January: $12,300 in delinquent cc debt $0 available credit EXP FAKO: 585 In September: $5,000 in delinquent cc debt $1000 available credit (BoA secured Visa, 30% usage, paid in full each month) EXP FAKO: 563 No other outstanding debt aside from student loans which I have paid regularly. I have not applied for any credit, aside from the secured Visa. Anybody have any thoughts on what's going on here? How can I get that score up?
New credit has an immediate negative impact on scores - they will come back up. The delinquent debt, was it deleted, or just showing paid off?
Thanks for your response. Just paid off, I believe it says "Paid satisfactorily" or something. I suppose I should work to have it deleted, eh? The new credit came to me in May. It's not that new. Thanks again.
Really, May is that new - not even 6 months As for the payoffs, its really going to come down to who is reporting (OC vs CA), how they are reporting, etc., and these are FAKO's so they really don't mean anything.
Thanks, jlynn. In two cases it's the OC reporting [MBNA, Capital One], in two other cases it's the CA [from Providian accounts].
OK - CA tradelines can never be positives. If they are on your report - they are negative. The new payments on them probably are reaging the account in the FAKO scoring system. You also need to look at your reports and make sure the furnishers did not reage your account to the DOLA as the payoff date.
