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Vacated Judgement after one year

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melrobinson1
Valued Member

Vacated Judgement after one year

I am due for a judgement to to be deleted next week I am hoping. It was erroneously placed in 2011 Eq ranked 63 pts). How much of an increase should I expect?
2012 - THE YEAR OF HOMEOWNERSHIP!
"Keeping my eye on the prize"
Message 1 of 6
5 REPLIES 5
pizzadude
Credit Mentor

Re: Vacated Judgement after one year


@melrobinson1 wrote:
I am due for a judgement to to be deleted next week I am hoping. It was erroneously placed in 2011 Eq ranked 63 pts). How much of an increase should I expect?

It's really hard to predict how many points you'll gain.   It will vary based on the information that is remaining on your reports......What other negatives items will remain after it is gone ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 6
melrobinson1
Valued Member

Re: Vacated Judgement after one year

1 paid charge offs (2007)
5 unpaid medical collections (2006) currently being disputed.
1 60 day late
4 positive TLs w/ no lates.
2012 - THE YEAR OF HOMEOWNERSHIP!
"Keeping my eye on the prize"
Message 3 of 6
pizzadude
Credit Mentor

Re: Vacated Judgement after one year


@melrobinson1 wrote:
1 paid charge offs (2007)
5 unpaid medical collections (2006) currently being disputed.
1 60 day late
4 positive TLs w/ no lates.

I wouldn't expect a huge FICO gain ~ unfortunately your other negative accounts will still keep your FICO score down.  Smiley Sad

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 4 of 6
melrobinson1
Valued Member

Re: Vacated Judgement after one year

That sucks! Thanks for your input.
2012 - THE YEAR OF HOMEOWNERSHIP!
"Keeping my eye on the prize"
Message 5 of 6
pizzadude
Credit Mentor

Re: Vacated Judgement after one year

 

Well bear in mind that this is just my best guess......I'll keep my fingers crossed that it will still help your score  Smiley Wink

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 6 of 6
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