Possible Score Increase Soon To Be?

[CreditCurious]

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@Thomas_Thumb wrote:

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@CreditCurious wrote:

The data is in.

My 180 day delinquency was removed (EE ) by TU about a month ago. 

My TU Vantage 3.0 went from 770>802>819 over the course of a couple of weeks.

More importantly, my FICO 8 as reported by by BoA card jumped from 749 last month up to 829 this morning.  

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Nice! Report back with score updates when the late falls off EQ and EX.

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A slight oddity with EQ.  

I checked my report on the EQ site for its monthly update, and I am up 20 points, 773-793 (Vantage, I know...).  Two months of my late payments dropped off (Nov/Dec 2017), but the three months of late payments from Jan-March 2018 remain. At the same time, my payment record says that I have been 60/90/120 days late.  Looks like the 30 day just disappeared, as did the 150 day.  Weird, you would think EQ could do math.  Oddly, EX says I have 6 late payments from Jan-Jun 2018.

My reason codes say:

• None of your accounts have a severe delinquency or a derogatory status (Helping)
• You have too many delinquent or derogatory accounts (Hurting)

So, I now have FICO 8 scores of 718 (EX), 749 (EQ), 819 (TU). Vantage is the leading indicator for EQ, so it looks like that 749 will report higher next month when I next have a FICO score reporting.

My mortgage does not report to EX, so that would be one reason why I am 100 points lower there.  All three agencies have different data on my old delinquency, but it does seem to be dropping off in erratic chunks at unpredictable dates.  EQ data on delinquencies seems pretty shaky, but not worth trying to do anything about.

[cashcardscore]

@CreditCurious 

Thank you for the info and for the info you posted in my threads and replys.

My util is bad, FICO simulator says if I pay off all of my debt in 23 month my scores will between 830-839.

Starting in Dec 24 throught Jan 26, all of my lates will fall off. Hopefully TU can just delete my two Chase accounts, that would save me a lot of time (and stress lol).

[Thomas_Thumb]

@Neches7 

@CreditCurious 

Don't forget to post updated scores in this thread when all derogs are off your reports.

[CreditCurious]

Probably no significant update until January 2025.

Currently sitting at:

EX: 730 (shows 180 days late Jan-Jun 2018, does not report my mortgage, otherwise good). 3 months ago was 718. No real changes in UTIL or payment record.

EQ: 776 (shows 150 days late, Jan-May 2018). 3 months ago 762.  In July they dropped 2 months of late payments, then in August added one back in.  July showed a score of 792 if I remember correctly.  

TU: 841, 3 months ago was 749.  all derogatories gone.  Shows 7 years of clear payments.  AAoA 8 years, which is fair bc the deleted account was 14 years old.  

[CreditCurious]

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@CreditCurious wrote:

Probably no significant update until January 2025.

Currently sitting at:

EX: 730 (shows 180 days late Jan-Jun 2018, does not report my mortgage, otherwise good). 3 months ago was 718. No real changes in UTIL or payment record.

EQ: 776 (shows 150 days late, Jan-May 2018). 3 months ago 762.  In July they dropped 2 months of late payments, then in August added one back in.  July showed a score of 792 if I remember correctly.  

TU: 841, 3 months ago was 749.  all derogatories gone.  Shows 7 years of clear payments.  AAoA 8 years, which is fair bc the deleted account was 14 years old.  

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Well, I was wrong.  I anticipate no movement on my score until January, but Experian surprised me.  My DoFD was 01/2018, and Experian just dropped the entire string from my report. I did not request EE from EX.  So, as of this morning, my EX FICO 8 jumped +71 to 800.

The current roundup: EX 800; EQ 776; TU 841

TU is completely accurate, and clear history, no delinquencies, 2 HP but one will drop off next month, the other in 4-5 months, low utilization.

EX does not include my mortgage, but is otherwise accurate with a clear history

EQ is completely accurate, but my 150 day delinquency still shows.

As far as I am concerned, this completes my rebuild. Even my worst score is 776, and that will go up sometime between now and January.  

The one thing I found curious was the shift from a dirty to a clean scorecard.  I have read a lot that moving from dirty to clean can result in a drop because you are moving from a "old dirty" to a "new clean".  I did not see that, or at best having my 150-180 day delinquency drop off resulted in a boost that was bigger than any scorecard issues.  

[Thomas_Thumb]

Thanks for the update. 71 points is pretty close to the 70 point guestimate.

Unfortunately, some people provide misleading information. An aged, thick file going from a major derog dirty scorecard to a clean one always improves score - significantly. Poster, Inverse, reported going from the low 750s straight to 850 when his tax lien was removed. He had an aged file with low utilization and no recent HPs. Other posters, with only a bankruptcy, have reported going directly to 850 from the 750s as well when their BK aged off.

If utilization is sky high, dirty => clean won't yield the same boost because UT is weighed more heavily on clean scorecards. Also, if the last late is an aged charge off or collection or 90 day late, available point boost is less. So, in those cases, it is possible the no derog boost could be nullified by elevated credit use penalties.

[CreditCurious]

The trifecta is complete, and I just squeaked into the 800 club.

EQ just dropped my delinqency.  DoFD was 01/18, so this is earlier than expected.  My EQ  score just jumped from 776 to 805. 

So, quick recap to show score growth.

May 2024 EQ 762; EX 718; TU 749 (all FICO)

June 24  EQ 749 ; EX 718 ; TU 829 (all FICO, TU granted EE)

Aug 24 EQ 776 ; EX 730 ; TU 841 (all FICO, not really sure why everything went up, UT was stable, no new accounts. Monthly mortgage escrow did drop by a few hundred, not sure if that would effect it.)

Sept 24 EQ 805; EX 800; TU 841 (EQ and EX both dropped derogatory 3-4 month earlier than expected)

So my 180 day late dropped off earlier than anticipated, and I saw score bumps of 43, 82 and 92 points from May-Sept.  

[Thomas_Thumb]

Congrats on the 800s across all 3 CRAs!

Very surprised on the low increase on EQ.  I would have expected atleast 20 more points on EQ given the open mortgage shows. The lower EX score is understandable since the mortgage does not show on EX. It suffers from no open installment loan.

[MissLiz]

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@CreditCurious wrote:

The trifecta is complete, and I just squeaked into the 800 club.

EQ just dropped my delinqency.  DoFD was 01/18, so this is earlier than expected.  My EQ  score just jumped from 776 to 805. 

So, quick recap to show score growth.

May 2024 EQ 762; EX 718; TU 749 (all FICO)

June 24  EQ 749 ; EX 718 ; TU 829 (all FICO, TU granted EE)

Aug 24 EQ 776 ; EX 730 ; TU 841 (all FICO, not really sure why everything went up, UT was stable, no new accounts. Monthly mortgage escrow did drop by a few hundred, not sure if that would effect it.)

Sept 24 EQ 805; EX 800; TU 841 (EQ and EX both dropped derogatory 3-4 month earlier than expected)

So my 180 day late dropped off earlier than anticipated, and I saw score bumps of 43, 82 and 92 points from May-Sept.  

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Congratulations!