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I'm just guessing, but I think it will be on the cusp of 700 or a bit over. What I see 5 months from now though, is your youngest will age to a year, and more importantly, your oldest account will hit the 2 year mark shortly thereafter. I do not know when you last apped for anything, but as the inquiries from a FICO 8 standpoint will age off at a year and be unscoreable. They will only affect if you need underwriting, ie mortgage, possible auto loan, that lenders use a different FICO score, where 2 year history is a bigger picture.
Thanks!
I have been car shopping so there are quite a few inq's, probably 15 or so since they ran a ton of banks. I've only applied for a few cards over the year to see how my progress reflected. Once these derogs are gone, I am actually applying for a mortage, my broker is just waiting for my green light to pull credit.
700 would be truely remarkable considering I was 490-520 14 months ago. Just have to hope the CA's are true to their word to remove. Only one provided an email stating it. The others said they would mail it...
Is anyone aware of a credit score simulator that will factor removed derogatories? I know its never 100%, it's literally to give me hope after shelling out thousands lol