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Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Birdman7
Super Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

@LaHossBoss take it for what it's worth, but my theory is the payment grid means nothing it is just for your viewing pleasure; the only thing that matters is the textual comments, imho. 

 

@Birdman7 so the odd thing is, payment grid aside, is the "reported" lates and the "last late payment".

 

There are reportedly 8 lates between the 2 x SLs, so, 4 for each. Then, in the listed lates, there are 5 for each SL (120d: 11/2014 and 2/2017-5/2017). *Then* it lists "last late payment" as 11/2014. I mean, weird, right? None of it makes sense, even when I disregard the payment grid.

 

Now what makes this further complicated is that I "actually" have 6 x SLs with NMSL. TU lists only 5. Fine. But, of the 5 originally defaulted SLs, TU "removed" 3 of the SLs, and they replaced them with 3 "new" back dated TLs (this is accurate and what should happen after rehab). The other 2 SLs, they "changed" the account number and made a mess of the payment history, as outlined above.

 

Now with SO, similar-ish. TU took all 3 SLs and "updated" the account number. So, technically, as I was saying before, this is a little more complex since the SLs stayed with the same servicer after rehab and are technically the same accounts, which could be construed as double reporting, but hey, on EQ and EX with the lates being removed, we will take the huge boost in AAoA, but with TU, there is only one set of SLs for SO and the mixed new/old SLs for me. It makes zero sense.


@LaHossBoss Hey that's just one piece of the puzzle; I didn't say I had all the answers LOL. Heck I don't even have all the questions! Smiley Embarassed

-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 71 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

@Birdman7 we will unfold this mystery together! I will keep you posted on what the heck this all means and if it eventually just corrects itself lol I certainly do not want to risk a fight that causes 120 lates to be placed onto all 3 bureaus! I would rather just deal with the 8/10/? lates that are currently only reporting to TU.

 

You know I always aplreciate all of your help!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 72 of 88
Birdman7
Super Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

@Birdman7 we will unfold this mystery together! I will keep you posted on what the heck this all means and if it eventually just corrects itself lol I certainly do not want to risk a fight that causes 120 lates to be placed onto all 3 bureaus! I would rather just deal with the 8/10/? lates that are currently only reporting to TU.

 

You know I always aplreciate all of your help!


@LaHossBoss you know I'm always willing to help if I can!

-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 73 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Update:

 

SO's NMSL SLs *finally* have reported to TU (as of last Friday) and to EX yesterday! Was hoping they reported to EQ today, but no soup there.

 

EX F8 631 > 684 (+53)

EX2 642 > 655 (+13)

 

Now just waiting and hoping this bumps EQ over 670 to meet our score goal and to start working towards the next one!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 74 of 88
Birdman7
Super Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Congratulations!!
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 75 of 88
Credit4Growth
Valued Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

Update:

 

SO's NMSL SLs *finally* have reported to TU (as of last Friday) and to EX yesterday! Was hoping they reported to EQ today, but no soup there.

 

EX F8 631 > 684 (+53)

EX2 642 > 655 (+13)

 

Now just waiting and hoping this bumps EQ over 670 to meet our score goal and to start working towards the next one!


 

 

...thus far, congrats on the bump in Fico's!

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 76 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

@Birdman7 @ChiknNuggz @KitKats 

 

FedLoan *finally* reported for SO yesterday!

 

Remember, rehab was completed in Dec/Jan lol only took 5+ months to report, but I will hold off on complaining too much, as I really expected them to not report until after the Cares Act forebearance ended.

 

Well, to EQ only, so far, and shows the update for 4/21

 

Increased AWB +4, >100% util each, but also increased AAoA from 7y 1m to 8y 3m

 

AoOA remains 16y 11m

 

EQ F8 655 > 661 (+6 pt)

 

We will take what we can get! I am very curious to see the impact on TU and EX.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 77 of 88
Birdman7
Super Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@LaHossBoss wrote:

@Birdman7 @ChiknNuggz @KitKats 

 

FedLoan *finally* reported for SO yesterday!

 

Remember, rehab was completed in Dec/Jan lol only took 5+ months to report, but I will hold off on complaining too much, as I really expected them to not report until after the Cares Act forebearance ended.

 

Well, to EQ only, so far, and shows the update for 4/21

 

Increased AWB +4, >100% util each, but also increased AAoA from 7y 1m to 8y 3m

 

AoOA remains 16y 11m

 

EQ F8 655 > 661 (+6 pt)

 

We will take what we can get! I am very curious to see the impact on TU and EX.


@LaHossBoss congratulations!! likly the 84 month AAoA Threshold!! Look forward to the other two!!

-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 78 of 88
ChiknNuggz
Regular Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)

Congratulations on the increae and new SL. I have Fedloan and was fully rehab in march and still no new tradines from fedloan. Hoping for i guess a 10point increase when they do lol. 

Message 79 of 88
LaHossBoss
Senior Contributor

Re: Rehab #1 & #2 completed - timeline/DPs NMSL/180Resolutions & ECMC (Navient)


@ChiknNuggz wrote:

Congratulations on the increae and new SL. I have Fedloan and was fully rehab in march and still no new tradines from fedloan. Hoping for i guess a 10point increase when they do lol. 


You are 2 or 3 months behind my SO, if that says anything. Fingers crossed you don't have to wait that long!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 80 of 88
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