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Nicolemw81

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Why did my credit score go down yesterday when my repo was removed from transunion

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Oldest Account?

Congrats! That could possibly have been one of your oldest accounts and that's why you see a score drop. Since the account was removed, that also factors into the average age of accounts on your credit report and that went down when the account was removed. My sis just had her repo removed as well (Santander), same situation. Now, we are adding positive accounts to her report, and gardening them.

If you have any current credit cards, pay them down to 25-30% of your balance, and the following month you may see an increase in your score. If you don't have any then cap one secured is a great way to go as they approve almost anyone. Also, fingerhut is a great way to go as they almost always approve people as well and they help to add to your account mix (10% of your credit score). 

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