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Established Contributor
Posts: 823
Registered: ‎09-13-2009

Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score

The last 5 months have been relatively uneventful:

 

FICO Scores as of 10/2016

Equifax 04 - 695            Experian8- 693          Trans 08  - 703

 

FICO Scores as of 11/2016

Equifax 04 - 707            Experian8- 693          Trans 08  - 704

 

FICO Scores as of 12/2016

Equifax 04 - 707            Experian8- 694         Trans 08  - 705

 

FICO Scores as of 01/2017

Equifax 04 - 707            Experian8- 699         Trans 08  - 706

 

FICO Scores as of 02/2017

Equifax 04 - 704            Experian8- 699         Trans 08  - 706

 

FICO Scores as of 03/2017

Equifax 04 - 704            Experian8- 701         Trans 08  - 707

Valued Contributor
Posts: 2,087
Registered: ‎06-01-2008
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Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score

Thanks for the update!  I was actually thinking about you last week, wondering what the latest was with your scores/recovery.  It will be interesting to see how much additional time will need to go by to see more improvement. 

 

Thanks again!  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Established Contributor
Posts: 823
Registered: ‎09-13-2009
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Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score


EW800 wrote:

Thanks for the update!  I was actually thinking about you last week, wondering what the latest was with your scores/recovery.  It will be interesting to see how much additional time will need to go by to see more improvement. 

 

Thanks again!  

 

 


If you look at the first post on this thread, I update it monthly.  I just don't make additional posts on here since there are no major changes, in case you ever wanted to check Smiley Wink

Valued Contributor
Posts: 2,087
Registered: ‎06-01-2008
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Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score

Thanks! I am going to check the original post regularly, as I have been following your success!

As you know, my scores have hardly moved at all in about three years since I've been recovering from the foreclosure. TU FICO 8 did throw me a small bone a couple of weeks ago! I had thought 739 was absolutely the highest possible score in my current derog bucket, however I got movement to 740. It will be interesting to see if FICO 8 can go much higher, with the major baddie still showing. All my FICO 9 scores are still around 785 to 790.


Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2017: EX8: 736; EQ8: 736; TU8: 747; EQ04: 734 FICO 9 Scores about 50 points higher
In My Wallet: Discover $63.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $209.8K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Established Contributor
Posts: 820
Registered: ‎12-28-2014
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Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score

With all you're going through you're staying positive and that's good school will probably keep your mind offf things

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Valued Contributor
Posts: 1,675
Registered: ‎06-30-2016
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Re: From 800+ to Foreclosur​e - How Negatives Affect Your Score

Strength in patience. Thanks for continuing to update us. I followed your story when I was a lurker! Heart


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700

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