Established Contributor
Posts: 569
Registered: ‎11-10-2012

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
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007

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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