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

[Anonymous]

What a fascinating adventure...thanks for sharing and updating. Kudos!

[EW800]

Hey Jager,  

Just checkig in to say hello and hope that your rebuild is going well!  

[JagerBombs89]

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@EW800 wrote:

Hey Jager,  

Just checkig in to say hello and hope that your rebuild is going well!  

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I see your score TU08 score is 798, did you get something removed from your report?  Here are the latest scores:

FICO Scores as of 12/2017

Equifax 04 - 715           Experian8- 725         Trans 08  - 724

FICO Scores as of 01/2018

Equifax 04 - 715          Experian8- 725          Trans 08  - 713

Equifax 09 - 782

FICO Scores as of 02/2018

Equifax 04 - 717           Experian8- 711         Trans 08  - 708

@Anonymous Scores as of 03/2018 (New auto loan @ 1.74% & credit card)

Equifax 04 - 717           Experian8- 699         Trans 08  - 689

Equifax 09 - 769

FICO Scores as of 04/2018

Equifax 04 - 717           Experian8- 695         Trans 08  - 690

FICO Scores as of 05/2018

Equifax 04 - 717           Experian8- 699         Trans 08  - 694

Equifax 09 - 745

FICO Scores as of 06/2018 (Foreclosure 3 years old)

Equifax 04 - 717           Experian8- 712         Trans 08  - 706

FICO Scores as of 07/2018

Equifax 04 - 717           Experian8- 712         Trans 08  - 718

Equifax 09 - 758

[EW800]

You are looking good! Thanks again for sharing and staying in touch!

Yes, the foreclosure and credit card settlement fell off of TU last month. I did the on-line dispute stating “too old to report” (EE) at about the six month mark and they granted it. Both of the baddies are scheduled to fall off of Experian next month (September), so I am looking forward to seeing what those scores do. I am not exactly sure when they will drop form EQ, but suspect it should be within the next couple of months.

Thanks!

[EW800]

Jager, 

Update to my message above.  The foreclosure and CC Settlement fell off of my Experian  report this morning.  My Ex FICO 8 score went from 752 to 801.  Ex FICO 9 went to 826.  My Ex FICO 2 Mortgage went to 820.  This now makes my middle mortgage score of the three bureaus 805.  

The foreclosure is still showing on Equifax.  I hoping to get it off of there in a month or two.  Will keep you updated.  

I am enjoying watching your progress! 

[JagerBombs89]

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@EW800 wrote:

Jager, 

Update to my message above.  The foreclosure and CC Settlement fell off of my Experian  report this morning.  My Ex FICO 8 score went from 752 to 801.  Ex FICO 9 went to 826.  My Ex FICO 2 Mortgage went to 820.  This now makes my middle mortgage score of the three bureaus 805.  

The foreclosure is still showing on Equifax.  I hoping to get it off of there in a month or two.  Will keep you updated.  

I am enjoying watching your progress! 

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Looks like you're sitting at 850 across the board

FICO Scores as of 10/2018

Equifax 04 - 717           Experian8- 717         Trans 08  - 715

Equifax 09 - 770

FICO Scores as of 11/2018

Equifax 04 - 721           Experian8- 717         Trans 08  - 715

Equifax 09 - 770

FICO Scores as of 12/2018

Equifax 04 - 721           Experian8- 716         Trans 08  - 715

Equifax 09 - 770

FICO Scores as of 01/2019

Equifax 04 - 733           Experian8- 716         Trans 08  - 707

Equifax 09 - 771

FICO Scores as of 02/2019

Equifax 04 - 733           Experian8- 717         Trans 08  - 721

Equifax 09 - 771

FICO Scores as of 03/2019

Equifax 04 - 733           Experian8- 718         Trans 08  - 710

Equifax 09 - 772

FICO Scores as of 04/2019

Equifax 04 - 733           Experian8- 723         Trans 08  - 722

Equifax 09 - 772

FICO Scores as of 05/2019

Equifax 04 - XXX           Experian8- 723         Trans 08  - XXX

Equifax 09 - 774

[EW800]

Hello Jager! I’ve thought about you a lot and have hoped that all is well for you! Looks like your recovery is going very well!

Yes, I have completely clean reports now and have been lucky enough to now have 850’s on all standard FICO 8 and FICO 9 scores. After such a rough road, it indeed does feel good.

Great to hear from you!

[JagerBombs89]

I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

[Revelate]

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

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I would wait till July TBH.

Aging metrics usually are on the first of the month other than inquiry exclusion; don't know much about Foreclosure but unless you want to pull twice in the name of science think you might be disappointed.  Or buy a 1B and see if it moved before the others I guess would be the hedge for better data.

Good to still see you around BTW!

[EW800]

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

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Jager, I agree with Revelate.  If it were me, I would wait until July as well.  I too have experienced that some things on some reports seem to update at the beginning of the month.  

So pleased that your recovery is going so well.  I really enjoy following your progress and appreciate how you have followed my recovery!