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Mortgage Question

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ktm214
Frequent Contributor
‎12-19-2012 09:54 AM
‎12-19-2012 09:54 AM

Mortgage Question

Hello
My mortgage is the worst item on my CR. Many 30, 60, and 90's, even the point where foreclosure was started. However, I managed to come out of that and save it. It now reports Pays as Agreed and is current. My question is, how long will it take to impact my scores with it being current? Also, how should I GW? GW where it says Foreclosure Started, GW some of the lates, or GW all of it? Thank You!
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Shogun
Moderator Emeritus
‎12-19-2012 11:45 AM
‎12-19-2012 11:45 AM

Re: Mortgage Question

Either or.  Send in a GW for the derogatories, maybe they will delete the lates, maybe the whole TL, maybe none of the above.  Hopefully they will just remove the lates.

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.
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