5 point ex fico gain after deleting judgement

MingleJill · ‎02-08-2014

I had a 5 point jump today when my $1,200 paid off judgement from 5 years ago was deleted.

Still have a repo, discover CO and 2 60 day lates
Fico EX is 647
Ult is 60%
AAoA 5.1 years

Just posting to help if anyone was curious of what removing a judgment would do - if they are in a simular position.

Starting Score Fakos Nov' 13: 570 EX, 567 EQ, 553 TU
Feb '14:: 647 FICO '08 Ex, 584 EQ fako, 614 TU (walmart)
Judgement vacated Jan '14. Working on the Repo and 6 more baddies!

**Had 1 $300 card in Nov '13. Now have $10k NFCU Visa! **

baller4life · ‎02-08-2014

Good job!! We have the same score. I have a repo, CO and 1 collection left on EX as well. Util at 43%. I hear dropping it under 10% will give a nice score jump. So I'm working on that for the next couple months. CO and collection in dispute now. Hoping for a deletion! Inching my way to 700.

MingleJill · ‎02-08-2014

I'm also working on my ult% - i know I'll see a good jump once that happens- and I expect soon as my 10k nfcu hasn't shown up yet!

Good luck on the deletions!

Starting Score Fakos Nov' 13: 570 EX, 567 EQ, 553 TU
Feb '14:: 647 FICO '08 Ex, 584 EQ fako, 614 TU (walmart)
Judgement vacated Jan '14. Working on the Repo and 6 more baddies!

**Had 1 $300 card in Nov '13. Now have $10k NFCU Visa! **

baller4life · ‎02-08-2014

Thank you. I will be going for my first cli from nfcu March once my dispute is finished on Equifax. Currently at $3k, will request $15k. That'll really help util!

gdale6 · ‎02-08-2014

Congrats