So I was checking out my  TU CR and I noticed a 16 point drop. I was at 657 and now 641. The only things that have changed are my cc util. has gone from 4% to 22%, an increase but still under the 35% that you penalized for going over and I have dropped two judgments. Have I been rebucketed? I wouldnt think so because I have two old collections from 2005 and still have 3 judgments on my CR dating back to 2005.  So I am curious about whats causing the drop.  All my recent activity is good with no lates.
Mar 302010
Mar 172010
I just received my Equifax report after looking at TU and EX. It is the only one that actually shows the DOFD on the accounts. I don’t have any accounts showing on there with any balances due. I know some of them showed before, so I assume they came off. Can I expect that TU and EX are just slower taking them off and will they most likely come off soon, or should I try disputing these to try to get them off?Â
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Also, I have a car loan with a lot of 30,60 day lates. It is my longest TL though and it has now been almost two years since any activity. Is there anything I can do with a car loan?Â
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My thought is that I am going to get my CCs paid down. Right now they are almost maxed out because of recent activity, but I will get them lower shortly. So, I figure less than 6 months I will have them below 10% and check my report then to see what I can improve at that time with the other items. In the meantime I will GW and DV adn PFD on the accounts I know are not going to be past the 7 years soon.