When I started this, my reports were terrible. I have since managed to get 12 charge offs removed as well as 9 judgements from both TU & EQ. I have a car payment that reports to EQ, always paid on time. A open loan, again, paid on time. 3 paid off loans, no lates on these. A low limit credit card, paid on time. My FICOS started in the high 400-low 500 range. They went up to almost 600 at one time. I refinanced my student loans 3 months ago. They were reported as paid/sold and the new "owner" of the note now reports. Still no lates, yet my score dropped again to the low 500's. My reports have been cleaned up tremendously - yet my FICO is not moving. How long does it take to see some improvement and what else can I do to help in this?
I have been getting negative items deleted off my reports a lot lately, and depending on how old they were, affected my score differently. Sometimes getting old negative TL's deleted can lower your score. Perhaps the age of the account was adding 15 points to your score, because it was old, but maybe the fact that it was negative was only hurting your score by 4 points? You just lost 11 points by having it removed. BTW: The thing that has helped my scores the most has been paying down my revolving debt. More so than the deletions.
