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Rebuking for equifax

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e35
Regular Contributor

Rebuking for equifax

MY FICO equifax report is clean. NO collection or anything.

WIll I my credit score increase?

Will FICO put in an another bucket or something?

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 1 of 4
3 REPLIES 3
guiness56
Epic Contributor

Re: Rebuking for equifax

When was the last major degrogatory removed?  That includes no PRs, 90+ day lates, COs, etc.

 

If you are rebucketed for no major derogatories, you will be moved to a clean bucket.  What your score will do is hard to say.  Some will go up, others will drop because now being in a clean bucket, you could be at the bottom of the bucket, so to speak, with others with like files.  If this is the case, your score should recover more quickly and be on par with others in that same bucket.

 

 

Message 2 of 4
e35
Regular Contributor

Re: Rebuking for equifax

Ionly have a paid CO left on my report with no account history

 

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 3 of 4
guiness56
Epic Contributor

Re: Rebuking for equifax

That is still a major derogatory.  It is still possible to be rebucketed though.  Another poster had their last collection removed with a CO left and it happened.  It was also on EQ.

 

Hard to say until you see your score.

Message 4 of 4
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