10-08-2008 09:38 AM
10-08-2008 10:02 AM
Cheer up! You score went down most likely (i'm not an expert here) for lass credit history on your report. however, the positive effect of one less public record over the next 6 months is going to greatly outweight the negative of shorter history.
Also, during manual reviews, any mortgage lender would do one, it will look sooo muuuuch better.
10-08-2008 10:06 AM
I'm no expert, but I've read that sometimes you're "rebucketed" if you make improvements to your report. Since FICO scores are partly based on where you stand relative to other consumers, the better you get, the better the people you're scored against are. So, you might have been rebucketed.
On a selfish note, can you talk about how you got your judgement deleted?
10-08-2008 10:09 AM
Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!
10-08-2008 11:25 AM
"On a selfish note, can you talk about how you got your judgement deleted?"
Well, I was looking at my reports and saw the judgments, I went to the courthouse got the information about the judgments and I noticed that they were both reporting the wrong filing dates on my reports. I disputed with Experian and Equifax because they are only reporting on those 2. Experian sent me an email this morning and said that they deleted the larger of the 2 judgments, I am still waiting to hear about the other judgment from Experian and I haven't heard anything yet from Equifax. So we will see what happens.
02-12-2009 11:17 AM
02-12-2009 01:48 PM
I have been checking my judgments since you stated that you had one removed for the wrong file date.
My reports on all have the wrong file date and wrong case number.
Did you send in copy of your judgments to prove them wrong or did you just dispute and let them check the court house?
Thanks for your response so that I may get my straightened out.