I still don't believe it. In November when I started to clean up my credit I had a CH13 Bankruptcy completed 18 months earlier and 42 derogs and 7 non-derogs in my credit file. My Credit Line utilization was 95%. One of the derogs was a recent CA posting. FICO was 620. All derogs and the BK are scheduled to come off by the end of 2004. I now have only 8 derogs (all over 3 years old), the same 7 non-derogs, credit utilization is down to 85% (most of that is a 2nd mortgage, for some reason the 1st mortgage is not in my credit file), no new inquiries, no new derogs, the CA is gone (it wasn't mine) and my FICO is 577. At this rate, when all the derogs and the BK are gone in 2 years my FICO will be 325!!!! What gives???
