Judgement Removed

[2BFREE25]

What kind of an increase could I see when a judgement is removed?

[Anonymous]

Depends...three months ago...I finally got my fathers judgment removed from my reports...after 4 months...and only got +8 points...I was re-bucketed...I was MAD!!!

[2BFREE25]

It may not be much, but I'm still happy that it was removed. No complaints.

[Anonymous]

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2BFREE25 wrote:

It may not be much, but I'm still happy that it was removed. No complaints.

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True- Having it removed is always a plus, regardless of score change.

If it is your only PR, then likely a few points, but as sly said, if you get rebucketed, that may offset some of the increase. However, I have read that those who experience rebucketing rebound at a pretty decent rate.

Being rebucketed isn't always a bad thing and doesn't always mean that you will not gain very many points.

If it isn't your only PR, maybe not any at all.

[ladyvg270]

please tell me how you got a judgement removed what steps do i need to take?

[Anonymous]

It can not always be done ladgv. A lot has to due with who filed it and when.

[Anonymous]

sidewinder is correct about being re-bucketed.  I have TU reporting a forclosure and im not touching it even tho it is not accurate.................I like that bucket im in!

[sailon]

Can someone explain to me what rebucketing is. I did a search and found threads on this but I'm still not sure I understand. I also had a PR removed and my TU FICO dropped about 15 points.

Thanks

[Anonymous]

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@sailon wrote:

Can someone explain to me what rebucketing is. I did a search and found threads on this but I'm still not sure I understand. I also had a PR removed and my TU FICO dropped about 15 points.

Thanks

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Yeah ... same here!!!

Honestly, I don't know much about all this stuff at'all, but I have to say, I know what I do know ONLY because of the wonderful, kind posters here!!!!

Kudos (and then some!!) to all the contributors here!!
*looks in Sidewinders, Happy's, Timothy's, Cybele's and Sly's (just to name a very few!) directions!!*

*toast!*

[Junejer]

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@sailon wrote:

Can someone explain to me what rebucketing is. I did a search and found threads on this but I'm still not sure I understand. I also had a PR removed and my TU FICO dropped about 15 points.

Thanks

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Sailon, what happened is that you were moved from one category (with a PR) to another category (w/o a PR). You are now being compared, from a FICO standpoint, to those w/o PR. Sometimes, people take hits when that happens, but the good news is that it gives you the opportunity to experience gains that you otherwise wouldn't with the PR on your reports. Not everyone experiences a drop as a result of a rebucket either. It all depends on what else is in your report and how those things compare to the new bucket.