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As several of you know from all the great help I have received through this forum, my wife and I have been rebuilding following a foreclosure that completed more than two years ago. I have been concentrating on my reports, figuring that our reports would be basically identical, other than a JC Penney's account that my wife has on her own. Well, this morning we pulled her 3-Bureau MyFIco report. I was shocked and pleased to see that the foreclosure and even that entire trade line does not show on any of the three CRA's for her. As a result, all of her FICO 8 scores are well over 800, as you can see below. Most of her Bankcard Enhanced scores are in the 835-845 range!
Since our reports are very similar other than the foreclosure, I am taking this to mean that the foreclosure is holding my scores down by about 100 points or so, close to two and half years after the foreclosure. It sure makes me look forward to when the foreclosure falls off of my reports in the summer of 2018!
My wife's scores are below and my scores are in my siggy below.
Could very well be 100 points or more, grats to your wife.
Nice!
It seems like just about ANY major derog causes you to hit a glass ceiling around the mid 700's
@Anonymous wrote:Nice!
It seems like just about ANY major derog causes you to hit a glass ceiling around the mid 700's
Based upon personal experience, I agree with Norman. Low to mid 700's seems to be the ceiling.