I'm trying to raise my scores so we can buy a home in the next 6 months. In July my scores were 535-585 and now they have dropped over 100 points!
I have student loans and two credit cards as active trade lines. Baddies are 2 paid judgements, 1 other judgement with 1 payment left, 2 unpaid medical collections (neither has reported since 2013 so I'm leaving those alone), and two unpaid collections ($206 from LVNV and $1166 from Pinnacle; both have DOFD in 2010).
In July I started by requesting early exclusion for one judgement (set to come off in March) and the two unpaid collections, LVNV also set to come off 3/2017 and Pinnacle set to come off 11/2017. I used the online disputed for all 3 CRA's and requested EE. For Pinnacle, I submitted a copy of a letter from them saying they are no longer collecting or reporting this to CRA's.
Experian deleted both collections and the judgement within 1 week. Score went up 8 points.
Transunion deleted the judgement, updated LVNV (shows I made a $1 payment), and now shows Pinnacle as paid in full $0 balance (I have never paid them anything) which reaged the account by 6 mos.
Equifax just shows updated on everything.
To top it off, my student loans are reporting as deferred since I was on a very brief forebarence not due to my fault (the gov site didn't send my IBR request to Navient and put me on this for one month).
My scores have dropped 100-150 points all across! I'm not sure what to do next.
I have student loans and two credit cards as active trade lines. Baddies are 2 paid judgements, 1 other judgement with 1 payment left, 2 unpaid medical collections (neither has reported since 2013 so I'm leaving those alone), and two unpaid collections ($206 from LVNV and $1166 from Pinnacle; both have DOFD in 2010).
In July I started by requesting early exclusion for one judgement (set to come off in March) and the two unpaid collections, LVNV also set to come off 3/2017 and Pinnacle set to come off 11/2017. I used the online disputed for all 3 CRA's and requested EE. For Pinnacle, I submitted a copy of a letter from them saying they are no longer collecting or reporting this to CRA's.
Experian deleted both collections and the judgement within 1 week. Score went up 8 points.
Transunion deleted the judgement, updated LVNV (shows I made a $1 payment), and now shows Pinnacle as paid in full $0 balance (I have never paid them anything) which reaged the account by 6 mos.
Equifax just shows updated on everything.
To top it off, my student loans are reporting as deferred since I was on a very brief forebarence not due to my fault (the gov site didn't send my IBR request to Navient and put me on this for one month).
My scores have dropped 100-150 points all across! I'm not sure what to do next.