Reply
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Mortgages

Hey All,
 
It's Eve.  Question?  If I am disputing items on my credit report, mainly collections and judgments, and say they get deleted, how does that affect my fico score?  I think negatively because I had 3 deletions from TU and all of my scores have dropped significantly. Like by 50/60 points and I have worked so hard to build up my scores.  I am so discouraged right now.  Someone pray for me, please!!!
 
Thanks
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Mortgages

Regular Contributor
Posts: 244
Registered: ‎04-16-2007
0

Re: Mortgages

Are you looking at FICO scores? Your mortgage scores may be different and TC scores will also be different.
Established Contributor
Posts: 560
Registered: ‎05-03-2007
0

Re: Mortgages

are you sure nothing else changed on your report?  like UT, inquiries, new collection, etc.
 
also, how many good, aged tl's do you have?  if all of your aging dumped, that might have caused a drop.
 
never forget that thar' scorecard factor that i despise.

myhearts07 wrote:
Hey All,
 
It's Eve.  Question?  If I am disputing items on my credit report, mainly collections and judgments, and say they get deleted, how does that affect my fico score?  I think negatively because I had 3 deletions from TU and all of my scores have dropped significantly. Like by 50/60 points and I have worked so hard to build up my scores.  I am so discouraged right now.  Someone pray for me, please!!!
 
Thanks



New Member
Posts: 1
Registered: ‎07-21-2007
0

Re: Mortgages

I AM NEW TO THIS BOARD /FORUM AND I AM JUST ENJOYING READING THE INFO EACH OF YOU HAS TO OFFER.. IT IS WONDERFUL TO SEE PEOPLE HELPING PEOPLE.  ON YOUR QUESTION, I WANTED TO ADD THAT I HAVE PAID OFF MANY OLDER AND NEWER DEBTS AND MOST OFTEN THE OLDER ONES PAID CAUSED MY SCORES TO DROP-- BUT ONLY FOR ABOUT 30-60 DAYS BEFORE THE SCORE INCREASED.. GOOD LUCK.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.