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Epic Contributor
Posts: 28,115
Registered: ‎04-01-2007

Re: How many point increase should I expect?


finfree wrote:

Interestingly TU updated for this deletion and I only got a 35 point bump on my TU score. I'm not complaining, just noting how TU and EQ apparently use different algorithms in computing their scores.


They definitely use different algorithms. Each CRA has its own formula, slightly different from the others.


Combined with the fact that most of us have info that is slightly different on each of our three reports explains why our FICO scores are nearly always different from one another.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
Posts: 11
Registered: ‎09-17-2010

Re: How many point increase should I expect?

Yesterday I received the scores shown below from a lender (I'm considering taking out a small mortgage on my home). These scores would not have been possible without the information and resources I obtained here. Paying attention to my CR has really paid off. One question: I have no mortgage loans or installments loans just credit cards (I've had mortgages in the past but they were paid off when my houses sold, and my current hourse is owned free and clear). If I do take out a small mortgage will this increase my score because of a better credit mix, or hurt it because of the credit inquiry (already happened) but loan?


Thanks and happy holidays to all!!

Starting Score (October 7, 2010): EQ: 698 TU: 709
Interim Score: EQ (October 21, 2010): 714 TU (November 2, 2010): 732
Current Score: EQ (December 22, 2010): 770 TU (December 22, 2010): 787 EX (December 22, 2010 pulled by lender): 778
Goal Score: 800 both

Frequent Contributor
Posts: 423
Registered: ‎10-25-2010

Re: How many point increase should I expect?

I can't answer your question, but just wanted to say you did an amazing job with your scores. HUGE Congrats :smileyhappy:

Starting Score: 600s
Current Score: EQ 08 798 on 5/28/14, TU 792 on 5/27/4 via Barclay, EX 798 on 5/28/14
Goal Score: 760

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Posts: 8
Registered: ‎03-05-2010

Re: How many point increase should I expect?

I just had a Paid collection removed from my report which resulted in my score going from 666 to 690. I also had a 4 and half year old late payment from a closed account removed from my report that jumped me from 690 to 715. Today I got another alert with no real explanation that my score went from 715 to 726.

Starting Score: 646 2/8/10
Current Score: EQ : 763 3/12/11
Goal Score: 800

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New Visitor
Posts: 1
Registered: ‎03-07-2011

Re: How many point increase should I expect?

Hi, just curious how you had a paid collection deleted. I've heard that's very hard to do. Great job getting that removed. Any advice you can give would be wonderful...I need all the help I can get.
Regular Contributor
Posts: 240
Registered: ‎09-08-2007

Re: How many point increase should I expect?

I know this is last year's thread, but I just wanted to say that when I pull my credit reports I receive the comment about one reason my score is lower is because I don't have a mortgage. Implying it would be higher if I did, (for the credit mix).

4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
New Visitor
Posts: 1
Registered: ‎02-23-2013

Re: How many point increase should I expect?

I had 8 student loan derogatory items on my report for 120 days. They occurred 7-10 yrs ago and with Lexington law...were finally removed. Its a long story as to why those items are there, but those items were supposed to be consolidated and deferred. How many points will the deleted derogatory items showing 120days late raise my score. I had dropped to 588.
New Visitor
Posts: 1
Registered: ‎10-21-2013

Re: How many point increase should I expect?

I am not sure of how much it will increase with the student loans.  I was in the same boat and had five very derogatory payments on my student loans while going through a your mortgage or student loans?  I completed a rehabilitation and have documentation that they will remove all adverse reports and after the third dispute which is pending they still remain on my credit.  I will repost once they are removed to let you know how much my score has increased.  This has been a battle for sure. 

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