WHO CAN GUESS THE BEST??

[Anonymous]

I am wondering what people think my score will go up once my latest change occurs, here is my situation:

2 open accounts

I had two collections that I paid off, my score went up 15 points for each collection that showed paid (30 total points)

The 1st of the open accounts is a Toyota Lease, which has never been late. 

The 2nd of the open accounts is Student loans, I have missed 7 payments (1x90, 6x120) BUT I have gotten them to remove the 7 late payments and I also have paid off the whole loan. 

My oldest account is 4 years, but my oldest OPEN account is 2 years.

I am 21 and just trying to get an idea of what to expect when my score updates 

Thank you!!

[Anonymous]

Well what's your score now and where are you getting it from?

If you have exactly 2 accounts on your credit report, one of which is dirty and you're able to make it clean... based on your young/thin file you'd probably be looking at something around 75-100 points on the FICO 08 model.

[Anonymous]

I purchased a subscription with Equifax and TransUnion. Both are within 5 points of each other (585 & 590)

[Anonymous]

What scoring model are they using?  It should say in some fine print somewhere on the screen you see your score... "Score using the FICO 08 model based on TransUnion data" or "Score using the Vantage Score 3.0 model based on Equifax data" or something similar.

[Anonymous]

TransUnion is vantage score 3.0 and I'm not sure about equifax.

[Anonymous]

I'd suggest you get your hands on your 3 FICO 08 scores from credit check total for $1. Those along with your 3B reports will be the best dollar you've ever spent IMO.