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

Established Contributor

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

Message 161 of 166
Valued Contributor

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...
Dec 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. .
Message 162 of 166
Established Contributor

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

Message 163 of 166
Valued Contributor

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...
Dec 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. .
Message 164 of 166
Established Contributor

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
Message 165 of 166
Valued Contributor

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
Message 166 of 166