What should I expect?

[Anonymous]

I had some SL 5 years ago that defaulted and have since been rehabbed over 2 years ago. Even with the loans being rehabbed and transferred to another lender with no late payments for 2 years the original loan showed 120 days late. After calling and trying to get them to update the status they refused and it was showing 4 accounts with 4 different loan amounts 120 days late. The only adverse accounts that I had on my credit were the 4 loans and 1 car loan. After disputing both through Transunion I was able to remove all of the negatives from each of those accounts. My credit score was around 602 with high usage on my credit cards which I plan to pay off fully by the end of the month. What should I expect score wise? I have about 3 credit cards all paid on time for 2 years and a car loan paid on time for 3 years along with the SL accounts that were transferred. Im pretty excited about my Fico future and trying to see what steps I need to take next.

[Anonymous]

Anyone have any ideas on what I should expected as far as what my score may look like? I just got my report from Equifax as well with the same baddies coming off.

[MarineVietVet]

Hi there.

This might be better in Student Loans since you talk about past and present problems with them. I can move it over there. It's up to you though.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Thanks Marinevietvet, that might be better to get some answers.

[Anonymous]

nobody can accurately predict what your score will be.. why don't you update us when you find out?

which lender was your student loan with?  we'd all like to know how you got lates removed from a rehabbed loan!

[Tazman81]

I suspect you would see an increase in your score if you got negative accounts removed, but unfortunately I don't know what type of increase.  Please let us know when it starts to report and you see a change.  Also, don't forget to check your other 2 credit reports as the items may be reported incorrectly there as well, so you would want to be sure to get any discrepancies taken care of on all credit reports as many times it can be a toss up as to which report a creditor will pull when you apply for credit.