Reply
Frequent Contributor
Posts: 299
Registered: ‎05-24-2012
0

Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I had a medical judgment from May 2010 for $1100 vacated last month.  I got the court papers in the mail and sent them to all three bureaus and they sent me letters back saying the judgment was removed from my file.  I checked my FACO with creditpremier and my score remained the same!  Not even a one point boost.  What happened here?  Of course I have 11 medical collections and seven 180 day student loan lates but don't you think I should have gotten a boost in my score?

 

How exactly do I get past 621?

Regular Contributor
Posts: 184
Registered: ‎04-06-2013
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I wouldn't put thaaaaat much weight into FAKO scores :smileyhappy:

Are you absolutely certain it's been removed already? I wouldn't consider a letter confirmation that its actually gone... I'd have to see it for myself. :smileyhappy:
Let's see how far we've come...
06/2012 - Mid score 556, BoA Secured Card $250
09/2014 - Mid score 733. Chase Freedom 6.5K | Amex Everyday 6.5k | Discover IT 6.5K | BoA Rewards 10K | Ashley Furniture 5.5K | Amazon Store Card 1.5K | Closed on our mortgage 07/2013!
Frequent Contributor
Posts: 299
Registered: ‎05-24-2012
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I pulled up my experian file to verify and I have no public records. 

 

I don't know what to think. 

Frequent Contributor
Posts: 417
Registered: ‎03-23-2013
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

mine didn't change either when it was deleted. How old was yours? Mine was due to fall off later this year anyway. If it was a few years old it may not have been affecting your actual score, but could have previously still affected getting denied for apps.

The Duck Card $7500 - DCU Visa Platinum $7100 - Amex Everyday $5000 - Amex Delta Skymiles $7700 - Amex BCE $2000 - Discover it $2500 - Chase Marriott $5000 - Chase Freedom $3500 - Chase Slate $2000 - Barclay Rewards MC $3300 - Ebates Visa $1800 - Macy's Amex $3000 - Bloomingdale's Amex $3000 - Walmart Discover $6000 - Chevron-Texaco Visa $3300 - PayPal SC $3200 - Home Depot $5000 - and too many other store cards
Frequent Contributor
Posts: 299
Registered: ‎05-24-2012
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

The judgment was from May 2010. 

 

I have 22 negative accounts still on file.  Half are medical collections from 2010 that just reported late last year and the other half are Sallie Mae 180 and 90 day lates from 2010.

 

Despite the negatives I was expecting to get a boost from the judgment.  I mean I went ahead and did something about it and they don't give me any credit for it?

Established Contributor
Posts: 696
Registered: ‎08-13-2011
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I had a paid lien removed that was just paid last august,   no score bump for me either. This was on TU

 

I had a paid judgement from 2009 removed from equifax, no score bump for me either.

 

I still have several paid baddies on each report, but I would have thought especially on TU that I would have gotten a few points since this lien was only paid in 8/2012 and was set to stay on my report another 6 years.

 

Best wishes to you!!!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 713 Equifax 686 Experian 671

Goal Score: 700 across the board


Take the FICO Fitness Challenge
Valued Member
Posts: 33
Registered: ‎03-29-2013
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I'll add my "My score didnt jump either." My judgements were pretty old as they were from 2007 but when they fell off I didnt have a score jump. I have three derogs on my credit file. 2 Student loan C/O slated to fall off on 11/13 and a repossession from 2007 which will fall off 2/14. 


Starting Score: 550
Current Score EQ: 688 Sep/7/13
Current Score TU: 686 Sep/7/13
Goal Score: 720


Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 299
Registered: ‎05-24-2012
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

I think I'm starting to believe that even one 90 or 180 day late will drop your score for the whole 7 years.

 

In my situation I don't think I'm getting a score increase because I have the lates still on file.

Senior Contributor
Posts: 3,453
Registered: ‎11-30-2007
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

Major derogs like 120's + up will KILL your scores for the 7 years.   Nothing to do but keep all accounts positive and balances low and wait......and wait........and wait.

 

 

Frequent Contributor
Posts: 299
Registered: ‎05-24-2012
0

Re: Judgment vacated and removed from my report but my score did not go up even ONE POINT!

If the 180 day lates will "kill my score" for the whole 7 years, do you think I should pay the outstanding medical collection accounts which are totalling $5000?  They are scheduled to come off my report in 2015 and the 180 day lates will come off in 2017.

 

What's the point in paying off the collections if my score won't improve?  If however, my situation would improve, I would like to pay them off.

 

What is your advice?

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.