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10-day score increases due to MyFico info!

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Anonymous
Not applicable

10-day score increases due to MyFico info!

My mortgage Fico scores on 4/22 were:

Eq: 605

Exp: 625

TU: 651

 

I got 4 small CA's, $103 total (3X $15, 1X $58), removed due to the info I received from these forums (and not being afraid to call the CA's directly) my scores this morning 5/2 are now: 

 

EQ: 667

Exp: 647

TU: 680

 

The middle score is now 667 which, for an FHA loan, is considered prime rate (over 660). 

 

Just as a point of reference my FICO 08 scores barely budged. I gained 1-pt on Exp while the rest stayed the same. 

 

I disputed PIF accounts with (3) different agencies and they were all removed within days. I called (2) of them in advance while the 3rd i just took a chance on. It seems they really don't have much motivation to contest PIF accounts but i was surprised at how fast they were removed. However, i'm not sure if this will work for higher balance accounts.

Message 1 of 4
3 REPLIES 3
Scupra
Super Contributor

Re: 10-day score increases due to MyFico info!

Wow! Awesome job

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
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Message 2 of 4
Anonymous
Not applicable

Re: 10-day score increases due to MyFico info!

Thanks. I was initially very disappointed this morning as i got a 3B credit alert from 2 of the CRA's but my score didn't budge. I forgot that Fico 08 doesnt score CA's under $100.

Message 3 of 4
gdale6
Moderator Emeritus

Re: 10-day score increases due to MyFico info!

Nicely done, congrats

 

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Message 4 of 4
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