Equifax Credit Report

Hi Bo, I have been reading your site on what to do about poor credit, because we were trying to buy a house. I wanted to ask you a question about the scoring system that is in use by Equifax. Last year I purchased there Score Watch product because I wanted to keep track of what my score. In the past I had some collections that I was monitoring that had been reported on my credit report that caused a drop in my score 10-40 points. Here lated we had paid off one of our medical bills and had the collection agency to remove it from the report. The score never adjusted one way or another. We just recently had a $2600 paid judgement to drop off after 7 years. We noticed that my score went down 5 points afterwards. I just placed a huge amount of money our vehicle that left us with $7000 remaining on our automobile. That went down from&nb sp;$12460 from last month which was a 25% decrease in the overall amount of $21300 total balance. The score never budged. Is there something that is wrong with the scoring system at Equifax or is it something that I am doing. I have not been late on our vehicle for the last 4 years but have 3 credit card charged off for which one we paid off.
My score is currently at 587. I've been talking to Equifax since February, 08 about this. Everytime I have talked to someone there, they said that they were going to place a trouble ticket on the product. Only to find out the next time I talked with someone from Equifax they found no evidence of a ticket being submitted. I spoke with a gentleman on March 21 and someone else again this week. Only after speaking with the last person whom was a manager did they admit others were having an issue as well with there scoring system.
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after 2 years old stuff falling off does not really help your score dropping from 12 on a 21,000 dollar loan to 7 does not drop you from 80% because you were not more than 80% 12/21 in the first place. getting BAD anything off your credit, reported from today, to 2 years back should help your score quite a bit. I would have to see all of your credit to have any idea how to help you. but i would assume the 3 credit cards are your big hurdle try to pay them off and, re open them, with some kind of high credit limit shows your balance owed is less than 80% of your high credit limit. as far as score problems at equifax. I do not know, other than to try another credit report product somewhere else.
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Hi again, I have 0 balances on 2 of the cards and a $1800 balance on another. Go figure. I would have though that a 25% reduction in my overall balance on my car note would have moved the score up somewhat. I have had a lot of last dates of activity being moved around. I am aware that there is a federal law against that. So the new tactic is to put N/A in that spot.
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sounds good
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Hi I have one question for you. Why would my score drop 5 points when a 7 year old judgement just recently dropped off my credit report? I thought that it would have the opposite effect, maybe 5 points gained.
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the past two years has all the weight7 years is so old it should not affect your score much at all i would assume that something within the past two years changed your score 5 points