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Credit Score Changes for 2017

Valued Contributor

Re: Credit Score Changes for 2017


sjt wrote:

Harley14 wrote:

Im guessing this is the HR5282 Bill that looks like its been stalled since july of last year?...It was introduced last year in May and doesnt seem to have made much headway. 


HR5282 has nothing to do with the National Consumer Assistance Program.


Thanks! I was able to find all the information there and the dates


EQ688
TU700
EX707

Frequent Contributor

Re: Credit Score Changes for 2017

Just following. I've got 3 paid judgements and one set to fall off in June that shows unpaid. It's paid too but only after it got re-filed 4 yrs later with an additional $4k added. TU already deleted all my paid PR's but I've never tried with the other 2. I will be doing that soon.
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

Just submitted my disputes for removal.  Crossing my fingers, I'll update once I get responses.Smiley Happy

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
Regular Contributor

Re: Credit Score Changes for 2017

Am I correct in thinking that only PAID for liens will be taken out of the equation?  I'm about halfway through an IRS obligation...about $40,000 left...and the lien was filed in early 2014, so it's hurting me big time.  Once I get it to $25,000, I plan to apply for withdrawal but until then, will this new policy help me?

Moderator

Re: Credit Score Changes for 2017


nycfico wrote:

Am I correct in thinking that only PAID for liens will be taken out of the equation?  I'm about halfway through an IRS obligation...about $40,000 left...and the lien was filed in early 2014, so it's hurting me big time.  Once I get it to $25,000, I plan to apply for withdrawal but until then, will this new policy help me?


I don't think there's any way to know except try it; things are in flux and not formalized yet is my understanding.

 

My dispute on TU is still running, EX whacked my lien (thank you thank you EX!), and EQ is bloody EQ, need to snail mail my report and dispute request and tempted to just wait till June cause what's six more months /shrug.

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

Update:  TU just completed my disputes.  They deleted a PAID civil lien for HOA dues, but verified and left my paid CA state tax lien and two UNPAID Federal Tax Liens.

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

Same with me. Everyone has deleted my paid tax lien with the exception of transunion.....it was filed in sept of 2010 and shows a paid date of April 2011. So I'm guessing I'm stuck with it until 2018? BK drops in sept 2017. So much for thinking I'd have a clean file next year 😔

EQ688
TU700
EX707

Moderator

Re: Credit Score Changes for 2017


Harley14 wrote:
Same with me. Everyone has deleted my paid tax lien with the exception of transunion.....it was filed in sept of 2010 and shows a paid date of April 2011. So I'm guessing I'm stuck with it until 2018? BK drops in sept 2017. So much for thinking I'd have a clean file next year 😔

Should be stuck till Sept 2017.

 

At least fo rme all my liens  have come off at 10 years since filing if paid, and 7 years since filing if paid anywhere during the period.

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


Revelate wrote:

Harley14 wrote:
Same with me. Everyone has deleted my paid tax lien with the exception of transunion.....it was filed in sept of 2010 and shows a paid date of April 2011. So I'm guessing I'm stuck with it until 2018? BK drops in sept 2017. So much for thinking I'd have a clean file next year 😔

Should be stuck till Sept 2017.

 

At least fo rme all my liens  have come off at 10 years since filing if paid, and 7 years since filing if paid anywhere during the period.


MIchigan Must be diffrent. Here's how it shows on my report

Date Filed: 09/22/2010
Date Paid: 05/13/2011
Date Updated: 12/14/2016
Type: RELEASE OF TAX LIEN
Responsibility: Contractually Liable Debt
Plaintiff: STATE OF MICHIGAN
Amount: $2,279
Court Type: Recorder of Deeds

Estimated month and year that this item will be removed: 04/2018


EQ688
TU700
EX707

Moderator

Re: Credit Score Changes for 2017


Harley14 wrote:

Revelate wrote:

Harley14 wrote:
Same with me. Everyone has deleted my paid tax lien with the exception of transunion.....it was filed in sept of 2010 and shows a paid date of April 2011. So I'm guessing I'm stuck with it until 2018? BK drops in sept 2017. So much for thinking I'd have a clean file next year 😔

Should be stuck till Sept 2017.

 

At least fo rme all my liens  have come off at 10 years since filing if paid, and 7 years since filing if paid anywhere during the period.


MIchigan Must be diffrent. Here's how it shows on my report

Date Filed: 09/22/2010
Date Paid: 05/13/2011
Date Updated: 12/14/2016
Type: RELEASE OF TAX LIEN
Responsibility: Contractually Liable Debt
Plaintiff: STATE OF MICHIGAN
Amount: $2,279
Court Type: Recorder of Deeds

Estimated month and year that this item will be removed: 04/2018


Actually it's dependant on bureau rather than state in this case.  EX is explicit, EQ behaves similarly, TU has been a little wierd but I get out from under that one too 7 years post filing date at least on the expected fall off range with a 2017 date.  I will still be asking for EE / dispute as obsolete at the 7 year mark if it's still there anyway hah... actually it might be 7.5 years post filing if paid on TU, which would explain your data too.  Will go look at my old TU reports this evening and see if that lines up.

 

Need to get on EQ about possibly whacking my tax lien too, though in my case I can't get rid of the lates anyway till 9/2017 so I'm not really in a rush to do so... gained all of 16 points on EX FICO 8 for the tax lien removal with a 60 day late there, which suggests the bulk of my points will come when I'm Zestfully clean.

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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