20+ Point Drop on Equifax and Transunion! Thoughts?

[Shann0n_marie]

CAPTOOL, totally understood but what I'm saying is, it's nice to know your FICO'S can still hit 700's with a loan. I'm only in the 630's right now and still have quite a bit of old derogs to take care of, along with a satisfied civil judgement, released state tax lien & an outstanding IRS tax lien that's pretty big I'm working on satisfying. Congrats to you!👌

[Anonymous]

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@Shann0n_marie wrote:
CAPTOOL, totally understood but what I'm saying is, it's nice to know your FICO'S can still hit 700's with a loan. I'm only in the 630's right now and still have quite a bit of old derogs to take care of, along with a satisfied civil judgement, released state tax lien & an outstanding IRS tax lien that's pretty big I'm working on satisfying. Congrats to you!👌

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My scores are propped up by my Amex that's backdated 35 years. Without it, I'd be in the high 600's.

[HiLine]

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@Anonymous wrote:

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@skimmie48 wrote:

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@Anonymous wrote:

If you have an extra $15 run a fresh TU report and see what happens. This is what happens with mine:

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How does that even happen?

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I think it's because when MyFico does an alert based update they are pulling an old report that includes my tax lien that vanished from TU in early March. When I buy a new one or pull it directly from TU, it's clean. It was also clean when pulled by the two CC companies I got cards from last month.

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That's weird. There must be a serious disconnect between the reports you pull from MyFICO and the reports on which are based. I can't imagine how this could happen.

[jamie123]

I've seen it time and time again on this forum. If you have an entirely clean report except for 1 major derogatory, when that 1 derogatory falls off, you can gain 70 to 90 points.

The last derogatory on a report is worth the most points.