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Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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 (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

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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