![]() My SO had his only CA fall off TU and EX and saw a really nice score boost (not 100s of pts, but 30-40pts), even with 2 COs and defaulted SLs still reporting. I had 1 or 2 of several CAs fall off and saw little movement scorewise. Until all 3 are removed, she will likely not see a big score gain. What is really painful, especially with a thin profile, is the CAs. Any help is appreciated!Īlso know that the sting from 30d/60d lates fade after about 2 years time, so really only the most recent late is still hurting, score-wise. What else can I do to help her credit go up? Her Experian is at a 633 (fico) Equifax 652 (fico) and Transunion 620 (fico). But she also has a sprint collections with receivables performace for $1,011. She has 2 medical collections, 1 for $290, and the other is $2,143 and those just showed up this year. She is an authorized user for like 3 other cards that are in good standing. Any help is All,Īlso she has a thin file, she has a capital one, cl $500 only opened for 3months now, a wayfair account (commenity bank) for like 1 year CL $1000. ![]() ![]() ![]() Would a goodwill letter to the finance company be any effective to get any of these lates off since it's paid off?Īlso she has a thin file, she has a capital one, cl $500 only opened for 3months now, a wayfair account (commenity bank) for like 1 year CL $1000. In 2019 she has 1 30 days late, in 2017 has 3 30 days lates, and in 2016 has 3 60 day lates. I pulled her Experian report and she was a co-signer to a car (but it was for her and her responsibilty to pay it) that is now paid off and now closed. Helping my sister in law clean up her credit reports. ![]()
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