Current FICO Scores

aot2009 — Sat, 10 Mar 2012 17:14:43 GMT

I've pulled my TU and found it's a 725 through my walmart credit card FICO score.

My EQ here is 673

EX unknown

My revolving debt is 4%

My biggest issues I see are my student loans had lates in 2005 / 2006 and one collection that's from 2006

My TU has all the 2005 student loans as positive since I disputed them. It also has NO BK's.

My EQ has all the 2005 lates since they refuse to correct it. It has 1 dismissed BK.

Every since the student loans got corrected last year on TU my score jumped about 60 points. The BK on TU removed it jumped 3 points.

It looks like the BK had little impact and the 9 corrected student loans made a huge jump when they moved positive last year.

Will the same happen with EQ when all 9 accounts for student loan move positive this July? The dismissed BK will still be there until 2013 on EQ.

Re: Current FICO Scores

LS2982 — Sun, 11 Mar 2012 12:35:22 GMT

@aot2009 wrote:
I've pulled my TU and found it's a 725 through my walmart credit card FICO score.
My EQ here is 673
EX unknown

My revolving debt is 4%

My biggest issues I see are my student loans had lates in 2005 / 2006 and one collection that's from 2006

My TU has all the 2005 student loans as positive since I disputed them. It also has NO BK's.
My EQ has all the 2005 lates since they refuse to correct it. It has 1 dismissed BK.

Every since the student loans got corrected last year on TU my score jumped about 60 points. The BK on TU removed it jumped 3 points.

It looks like the BK had little impact and the 9 corrected student loans made a huge jump when they moved positive last year.

Will the same happen with EQ when all 9 accounts for student loan move positive this July? The dismissed BK will still be there until 2013 on EQ.

You should receive a nice score increase from EQ when the student loans move to positive, and the BK wil lgain some points as well, not alot because over the years the BK has been weighed lesser and lesser on your scores due to it aging and your good history.

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Current FICO Scores

Re: Current FICO Scores