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Last major derog is gone, sad about the score increase, though

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Established Contributor

Last major derog is gone, sad about the score increase, though

My last GW letter finally worked and my last major derog (mortgage, up to 150 days late over 9 months from 2007) is finally gone.  I still have a few pesky 30 days and one 60 day, but all from 2007.  No collections, no more tax liens. I'm very happy to have that gone for the sake of having it GONE, don't get me wrong, praise God.  I'm just bummed that my score is now only 697 as I thought for sure that would kick me to the 700 club with EQ.  My utilization is what is currently killing the score, I'm sure with it sitting at 22%.  Time will be my BFF moving forward.

 

THANK YOU MyFICO for the education, support, and expertise I needed to make this happen.  I should be closing on my new house by the end of this month thanks to this board.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 1 of 4
3 REPLIES
Moderator Emeritus

Re: Last major derog is gone, sad about the score increase, though

Congrats on purchasing a new home.  Now that your CR is clean, keep it clean and those scores will go up.

 

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
Regular Contributor

Re: Last major derog is gone, sad about the score increase, though

Congrats!!

Message 3 of 4
Established Member

Re: Last major derog is gone, sad about the score increase, though

congratulations ....good job

 

Message 4 of 4