Age old ? about score increases

[Shellie]

No change will suck but if it drops I will be so upset!

[fishbjc]

My sisters tax lien was removed and netted her a -20 loss.  YMMV.  Frustrating. 

[Shellie]

That will be devistating!  Mine is a state lien. Was hers an IRS?

[fishbjc]

State of Ohio

[Shellie]

Did she rebound quickly?  Did it help in other areas like new credit or CLI's?  Anything?

[fishbjc]

I can't really say.  She did, however, get approved for a townhome rental after she sold her home.  That may have helped the application.  When her husband left her, he cleaned out all bank accounts and left her in a pickle and a half.  It did take quite a while to get credit again.

Applications aren't always score driven, they also take into account income and she was back in school at the time.

[Shellie]

Well I hope I don't see a huge score drop.  We are planning on buying a new (used) vehicle soon and I don't want it to fall before we try.  I was hoping it would be a boost if anything.  It has kept me from getting CLI's and an approval for a Discover card.  Mine was filed 06/2007 but paid in 05/2014.

I guess I just assumed that since it is listed as the first, biggest derog I would benefit from having it removed vs just showing paid.

[fishbjc]

Always best to see a removal vs paid. 

[Shellie]

I'm working on that!

[Shellie]

Well I got my withdrawal filed!  Starting the process to get it removed from the CRA's.  Dreading to see the drop but so happy it will be gone.