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Established Contributor
Posts: 578
Registered: ‎11-10-2012
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What kind of score change would I see once my mortgage reports?

Are my scores likely to increase or decrease with a new mortgage?

 

My TU has 1 paid collection (property tax oversight) from 2012.

 

My EX has 2 paid medical judgments from 2010 and 1 paid collection from 2012.

 

My EQ has 2 paid medical judgments from 2010 and 3 paid collections that are all 6+ years, but recently paid. All 3 were updated prior to payoff.

 

All CR have 20+ inquiries due to major app spree in November 2012, car purchase in December 2012, and mortgage apps in July 2013.


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
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Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: What kind of score change would I see once my mortgage reports?

YMMV. I've lost points when my first and only mortgage reported on perfectly clean CRs, but it seems most are more likely to see a gain.

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