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Credit Score Changes for 2017

Moderator

Re: Credit Score Changes for 2017


Shann0n_marie wrote:

Revelate wrote:

Ahaha it was nice while it lasted: Experian tacked the lien back on.

 

-16 on EX FICO 8, easy come easy go.


WHATTTTTTTTTTTTTTTTTTTTTT? Smiley Sad  How long was it off?


A week to the day coincidentally.  

 

I'm not really worried about it unless it changed the date my lien is allegedly coming off, and 740 with paid lien from 2010 is virtually no different from 756 w/o lien from an underwriting perspective and the only real planned application I have coming up Chase absolutely knows about the lien already so ain't trippin.

 

Surprisingly sanguine and bemused about this, thought I'd be more upset about it but it's kind of irrelevant since that 60 day late from 2010 evidently still counts a bunch as well and that's stuck until 9/2017 anyhow... lien should be off by then anyway.

 

Yeah EX still has it listed as Sep 2017 removal, and I can probably just ask for EE in April anyway.

 

I doubt this is any sort of global thing, people who had their tax liens removed weeks or months ago probably would've already had them tacked back on... it was probably just something I did on the awkward route I chose and it got readded by the system instead of surpressed.  Again not trippin Smiley Happy.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Frequent Contributor

Re: Credit Score Changes for 2017

Anyone else have any luck?  I'm still waiting on my EQ results.

myFICO's as of 1/24: EQ: 655 // TU: 669 // EXP: 677
WALLET: NFCU cashRewards $10k | $15k LOC I AMEX Blue ED $2,000 & AMEX PRG | Costco Citi $6500 | Discover IT $2,700 | Merrick Bank $1,800 | Sam's Club $6,000 | Cap1 QS1 $1,750 | Carson's $30,000 | Kohls $3000 | VS $4,100 | Overstock $2500 | JCP $5000

REBUILD STARTED: 4/27/15: EQ: 579 // TU: 627 // EXP: 616
Frequent Contributor

Re: Credit Score Changes for 2017

How did it go with EQ?

 

Gardening from 6/2017 to ??
Frequent Contributor

Re: Credit Score Changes for 2017

Guys!!!  I just got THREE public records deleted from Equifax!!!!  None of those were set to come off before 2021!   I am....thrillled and stunned.  TU has always been easier to deal with in this regard, for me anyway.  I did not expect anyting from EQ and I didn't even request that they be removed.  I just submitted proof tjhat they were satisfied and asked that the status be changed to PAID / SATISFIED.  I'd done this before with another one last year and they did not remove it, they just changed the status.  This time, the 3 were deleted all together!!!! 

 

I still have one left that is paid  but is also really old and set to fall off in June.  I did not request any action on that one and now I wish I woudl have because it would likely be gone too.  I will wait 30 days or so and then tackle that one.  My socre only came up 12 pts  but I still have a few old CO's also.  I requested EE on those but, so far, nothing.  I don't expect them to be removed this early so I'll try again in a few  months there too. 

 

Next up is Experian.  I had to mail in my proof of satisfactions (boooooo Google Chorme) so hopefullly those will be deleted too. 

 

I'll update when I find out.  It seems the changes regarding public records is really true.  I expeccted all of thse to be weighing me down for YEARS to come so, to have them gone early is just...I am on cloud nine!

Current FICO Scores as of 7/1/2017 EQ 735 TU 780 EX 725

NFCU CR $20,00 | USAA Rewards Visa Signature $12,000 | USAA Preferred Cash Rewards Visa Sig $10,000 | Walmart MC $10,000 | Wells Fargo Cash Wise $9,000 | Costco Anywhere Visa $8,500 | PenFed Rewards Visa Signature $6,000 | Chase SP $5,000 | Amazon Rewards Visa $3,000 | AMEX BCE $2,800 | Barclay Apple Rewards $960 | Capital One QS $3,750 | Discover IT $1,600 | Amazon $6,000 | J Crew $6,950 | Wayfair $3,600
Frequent Contributor

Re: Credit Score Changes for 2017


cam3150 wrote:

Guys!!!  I just got THREE public records deleted from Equifax!!!!  None of those were set to come off before 2021!   I am....thrillled and stunned.  TU has always been easier to deal with in this regard, for me anyway.  I did not expect anyting from EQ and I didn't even request that they be removed.  I just submitted proof tjhat they were satisfied and asked that the status be changed to PAID / SATISFIED.  I'd done this before with another one last year and they did not remove it, they just changed the status.  This time, the 3 were deleted all together!!!! 

 

I still have one left that is paid  but is also really old and set to fall off in June.  I did not request any action on that one and now I wish I woudl have because it would likely be gone too.  I will wait 30 days or so and then tackle that one.  My socre only came up 12 pts  but I still have a few old CO's also.  I requested EE on those but, so far, nothing.  I don't expect them to be removed this early so I'll try again in a few  months there too. 

 

Next up is Experian.  I had to mail in my proof of satisfactions (boooooo Google Chorme) so hopefullly those will be deleted too. 

 

I'll update when I find out.  It seems the changes regarding public records is really true.  I expeccted all of thse to be weighing me down for YEARS to come so, to have them gone early is just...I am on cloud nine!


That is awesome. Congrats. 

Gardening from 6/2017 to ??
Frequent Contributor

Re: Credit Score Changes for 2017

Thanks for posting this information! Very helpful!

AMEX Platinum Card- NPSL // AMEX Green Card- NPSL // Bank of America Travel Rewards // Chase Sapphire Preferred // AMEX Delta Skymile Rewards // Venture One // Barclays JetBlue MC // Synchrony Walmart MC // Barclays Apple Rewards // AMEX BCE // Blaze MC // BP Gas
Frequent Contributor

Re: Credit Score Changes for 2017


cgardencredit1 wrote:

How did it go with EQ?

 


They verified with the county court house ... they updated one to paid/released and the the IRS one was verified reporting correctly/unpaid... they deleted the civil paid lien for my home HOA dues.Smiley Frustrated

 

Has ANYONE w/ an un-released IRS federal tax lien gotten it removed from TU or EQ?

myFICO's as of 1/24: EQ: 655 // TU: 669 // EXP: 677
WALLET: NFCU cashRewards $10k | $15k LOC I AMEX Blue ED $2,000 & AMEX PRG | Costco Citi $6500 | Discover IT $2,700 | Merrick Bank $1,800 | Sam's Club $6,000 | Cap1 QS1 $1,750 | Carson's $30,000 | Kohls $3000 | VS $4,100 | Overstock $2500 | JCP $5000

REBUILD STARTED: 4/27/15: EQ: 579 // TU: 627 // EXP: 616
Valued Contributor

Re: Credit Score Changes for 2017

Looks like July of 2017. And I'm assuming only if it doesn't meet certain guidelines. 


EQ688
TU700
EX707

Moderator

Re: Credit Score Changes for 2017

Guessing we're SOL unless the Feds or Cali in my case screw up on the lien reporting.

 

  1. The minimum is required of consumer identifying information: name, address, social security number and/or date of birth

They certainly have all that as does any tax board, whether it was included with the lien record or not I guess is the ball game.  Presumably future liens will all have this.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: Credit Score Changes for 2017

Will these items automatically be removed from credit reports on July 1st or will we have to start subitting requests?  I'd be very surprised if it happens smoothly. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748