General Credit Topics

[nyccc2]

So I posted that my my score just went down about 13 points after my paid lien dropped off.

The question is, won't most creditors still see me as a better risk, i.e. a 660 with no Public Records vs a 670 with one?

[ByrdMan]

Honestly, nycc, scores recover fast from rebucketing, all other things being equal. HTSU has gone up nearly 100 points from her rebucket in four months.

[HappyDays]

some creditors will not touch you if there is a public record. I would take the 13 point drop as it will rebound.

[nyccc2]

Well it should be interesting then; I also have an Amex AU that should (hopefully) show up on my reports in April. That will take my histories from 12-19 years to 38 years. That'll be one interesting rebucket.

I guess the point is if I remain excellent for the next 6 months, the two rebuckets should send my scores soaring (all around 660 now)