Lots of baddies removed and scores have only increased slightly

QuestionsLots of baddies removed and scores have only increased slightly
asked 4 years ago

Over the last 4 months, I’ve been able to remove 11 open collections and 4 charge offs, and PIF 6 charge offs.  I’ve also added 3 new revolving lines of credit with low balances and no lates.  As you can tell in my siggy, my scores have only increased slightly.

 

Here’s what I still have remaining.

 

Equifax:         9 unpaid charge offs and 3 open collections

Experian:       7 unpaid charge off’s and 5 open collections

TransUnion:  4 unpaid charge offs and 3 open collections

 

I realize I still have alot of work to do but I feel like alof of improvement has been made here but my scores are only a little higher than when I started.  I guess I expected them to be higher.  Getting rid of all those collections improved my untilization, plus adding the 3 new lines of credit.

 

The remaining baddies are all old and if I let them age off, they would all be gone by the end of next year.  I have 2 new revolving lines that will be reporting in a couple of months, which I intend to keep at a zero balance.  What is it thats keeping my scores so low?  The charge offs or the open collections?

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