04-01-2012 01:53 PM
04-01-2012 01:51 PM
Got a collection removed and a judgment updated to show I paid in full... Now to goodwill letter my creditors to see about gettijng late payments removed...
I am no expert on the GW process but many here are. Post more info on who the GWs are for so people here can help.
04-01-2012 06:49 PM
Generally your FICO scores are the same or very close to your lender pulls... I would assume you would be getting some positive when your lender repulls... Just an FYI, inquiries count in your score too so don't get too many hard pulls on there...
Are you trying to buy a house? Just from my experience, once you get all your collections off and IF you can get your judgement removed you should be able to have a significant score bump because you will be rebucketed... When my last collection came off my CR I got about a 40point increase even though it had been listed as paid... I have managed to (I have suprised myself with this) gain about 151 points since January 19th... Lowered my UTL to under 10% and all collections gone (or agreed to remove) plus GW'd a lot of lates... Hopefully getting a pre-approval letter from a lender this week! :-D
04-01-2012 08:35 PM
04-02-2012 06:42 PM
You can get your judgement vacated which will remove it from your CR... I would contact the court/judge from the judgement and write them a sencere letter about the situation and paying it off etc. They may remove it... You will never know until you ask... Just search Judgement Vacated on here and that will point you in the right direction on how to get it removed.
You will never know until you ask... the worst that can happen is that it stays there... :-) Good luck!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.