Mortgage and Insurance

I’ve noticed by reading the post in this forum that OPs scores are skyrocketing when there is a deletion.  I’ve had 3 in the past 2-3 weeks and my scores are turtleing along…..

 

Any Ideas why

 

My Accounts:

• 8 good tradelines – (i) car – one payment left til payoff (ii) CC – 10% balance (iii) CC – 0 – 3% balance (iv) 2 CD loans (v) 3 personal loans — never late on any of these accounts
• ok tradeline – havent been late in over a year – llast late 2/2009
• 2 settled paid collections – paid off 02/2010
• 3 collection deletions – deleted late 2/2010 & early 3/2010
• 3 collections remaining – sent DVs and PFD

 

what do i need to do…i want to buy a home before the tax credit expires.