Score after mortgage

[Warrior2000]

Does your score drop after you obtain mortgage? If so what's a good estimate?

[frugalQ]

In most cases, having a mortgage is favorably viewed in FICO scoring. Usually, you will get a score boost...the amount is a ymmv situation.

When we refi'd our home in 2012, I lost about 10-11 points after my original loan updated as close. When the new loan finally started to report 3 months later, I got those points back and a couple more.

[Anonymous]

I keep hearing that after six months my scores will be really good.  They are fair now so I too am curious as to what it will do to my score initially.

[ezdriver]

Has it been 12 months since your mortgage? Do you have about three other positive tradelines reporting ontime payment for over 12 months? Do you have a clean credit report with no baddies? If no to any of those questions, it is useless to focus on credit scores. Focus instead on achieving a robust credit profile and the scores will follow.