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Rebucket question from point of view of potential creditors

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Anonymous
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Rebucket question from point of view of potential creditors

So I posted that my my score just went down about 13 points after my paid lien dropped off.

The question is, won't most creditors still see me as a better risk, i.e. a 660 with no Public Records vs a 670 with one?
Message 1 of 4
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Junejer
Moderator Emeritus

Re: Rebucket question from point of view of potential creditors

Honestly, nycc, scores recover fast from rebucketing, all other things being equal. HTSU has gone up nearly 100 points from her rebucket in four months.






Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
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Message 2 of 4
Anonymous
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Re: Rebucket question from point of view of potential creditors

some creditors will not touch you if there is a public record. I would take the 13 point drop as it will rebound.
Message 3 of 4
Anonymous
Not applicable

Re: Rebucket question from point of view of potential creditors

Well it should be interesting then; I also have an Amex AU that should (hopefully) show up on my reports in April. That will take my histories from 12-19 years to 38 years. That'll be one interesting rebucket.

I guess the point is if I remain excellent for the next 6 months, the two rebuckets should send my scores soaring (all around 660 now)
Message 4 of 4
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