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

LaHossBoss
Senior Contributor

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


@Birdman7 wrote:

@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!!


Thanks! I had hoped SO got a bigger bump than that. But EQ is the bureau with a lingering CA, so maybe EX and TU will fare better?

 

Hoping he crosses the 700 mark on TU & EX! If not via the SLs boosting the AAoA further, perhaps he will cross that milestone at the end of the month when his Dell acct crosses under the 50% util threshold.




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 81 of 88
Birdman7
Super Contributor

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

Let’s hope
-Scoring wisdom: Credit 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,
Anonymous’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 82 of 88
ChiknNuggz
Regular Contributor

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

Good moring peoples. Woke up this morning with Fed loan reporting to my Experian and equifax report.  Went up 14 points on both so that was nice. So just waiting on transuion to hopefully get. 14 points on there.  Hoping for another small increase in June when i try for the early exclusion for my original Nelnet loans.  They are due to fall off January 22.

Message 83 of 88
LaHossBoss
Senior Contributor

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


@ChiknNuggz wrote:

Good moring peoples. Woke up this morning with Fed loan reporting to my Experian and equifax report.  Went up 14 points on both so that was nice. So just waiting on transuion to hopefully get. 14 points on there.  Hoping for another small increase in June when i try for the early exclusion for my original Nelnet loans.  They are due to fall off January 22.


Congrats!

 

SO just had the SLs pop up on EX today and now F8 went from 691 > 712 (+21)

 

AAoA is now 7y 9m on EX

 

AoOA remains the same at 16y 11m

Screenshot_20210512-145217_Experian.jpg

 

Screenshot_20210512-145906_Experian.jpg

 

@Birdman7 




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 84 of 88
Birdman7
Super Contributor

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

Sweet!
-Scoring wisdom: Credit 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,
Anonymous’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 85 of 88
LaHossBoss
Senior Contributor

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

Also, couldn't resist a TU report pull from TU and saw the FedLoans were reporting, so went and blught a 1B report from MyFico:

 

Also a +21pt gain!

 

684 > 705 TU F8




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 86 of 88
Birdman7
Super Contributor

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

Congratulations!!!!!
-Scoring wisdom: Credit 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,
Anonymous’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 87 of 88
Belle2018
Regular Contributor

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

Nice point increase for SO

Message 88 of 88
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