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Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

PFD Score increase?

What's the potential score increase for getting a newer collection removed?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: PFD Score increase?

Good.

Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: PFD Score increase?

I'm looking for a potential number range.

 

This is the last Collection on my EQ report.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: PFD Score increase?

You say this is the last collection, but is there anything else on there to make your CR dirty?  Lates, liens, judgements, BK?  If it's your last baddie, and this will make your report clean, and you have good positive TLs, then there's a good chance you will see a good bump.  Without knowing what your CR looks like, we can't give you a good estimate.


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+

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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!
Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
0

Re: PFD Score increase?

I have:

- a c/o from over 5 years ago (Settled in full)

- cc lates (1-3 recent depending on the report) <none from the last year>

-90 late on a student loan (they refuse to delete even after backdating)

- A paid C/O private student loan from 2 years ago

 

AND

-this collection on my EQ (last of the 15 I had in March)

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge


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