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Fico Score After A New Mortgage Account

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CreditBob
Established Contributor

Fico Score After A New Mortgage Account

From personal experience has anyone pulled a new report with a fico score? If so how much did the score drop? If so how long before it started to go back up after the new mortgage account was first reported?

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2 REPLIES 2
crunching_numbers
Valued Contributor

Re: Fico Score After A New Mortgage Account


@CreditBob wrote:

From personal experience has anyone pulled a new report with a fico score? If so how much did the score drop? If so how long before it started to go back up after the new mortgage account was first reported?


+1

I wonder how much I am still affected from my 2010 refi.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 2 of 3
Booner72
Senior Contributor

Re: Fico Score After A New Mortgage Account

I got a pretty good increase when my mortgage reported.  15-25 points.  My guess is I was rebuckted to "Those Who Have A Mortgage"

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
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