Last year had no open credit accounts. Had 4 accounts in collections. At this time have a installment loan and 11 revolving credit accounts.
As of today only have 2 accounts in collections, but will fall off report in 9 months.
Had a score of mid 500’s when started and according to a few models, my score is now between 660-679.
My question is when should I consider myself out of rebuilding mode?
When both my collection accounts fall off and by then my score shall be higher?
Or when my AAoA is better? When all of these happen and most of my HP’s fall off?