topic What can I expect? Need some opinions/advice!!!! in Understanding FICO® Scoring

What can I expect? Need some opinions/advice!!!!

Anonymous — Thu, 14 Jan 2016 07:17:36 GMT

So currently I have 17 open accounts NEVER LATE/PAYS AS AGREED

Avg. Age of Acct. is 4 years

I had 4 baddies reporting from years ago.

2 of them are going to fall off next month

Two Vol. Repo that was 7 years ago when I was laid off. Basically I had 2 vehicles that I gave back because I simply couldn't afford the payments. I will still have 2 medical collections left on my report, but will these 2 repo's falling off give me a big boost? I have heard that because I will still have 2 medical collections remaining that I might not see the boost I want and I have also heard that a repo falling off is a HUGE DEAL. Anyone have a for sure for sure for sure answer?

Re: What can I expect? Need some opinions/advice!!!!

takeshi74 — Thu, 14 Jan 2016 15:21:52 GMT

All we can say is that fewer derogs on your reports is better but not as good as no derogs. For the medical collections Google whychat's HIPAA method and see if it can help.

Re: What can I expect? Need some opinions/advice!!!!

Anonymous — Sat, 16 Jan 2016 13:45:00 GMT

Credit is never for sure for sure fore sure. There are so many things that go into a score and everyone will have different results. As long as there are still bad items there, the possibility of no score increase or just a very small one still exists.