FICO Score Changes

[busybee85]

I recently had all of my negative accounts drop off all three credit reports that were included in my bankruptcy back in 2017 due to them aging out, but my mortgage scores for Equifax and Experian did not change! I was shocked.

Any idea why?

[Horseshoez]

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@busybee85 wrote:

I recently had all of my negative accounts drop off all three credit reports that were included in my bankruptcy back in 2017 due to them aging out, but my mortgage scores for Equifax and Experian did not change! I was shocked.

Any idea why?

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There is a common saying around here, "Bankruptcy trumps all other negatives"; looking at my history, my mortgage scores didn't pop until my bankrupty dropped off my reports, so even though I had no other derogatories my scores did the following when the public notation fell off:

• EQ - Mortgage 5: 715 --> 802
• TU - Mortgage 4: 725 --> 806
• EX - Mortgage 2: 734 --> 817

Sorry, this may not be what you want to hear, but it is what I've gleaned from lurking around these parts and what I experienced as my own bankruptcy aged off.

[GZG]

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@busybee85 wrote:

I recently had all of my negative accounts drop off all three credit reports that were included in my bankruptcy back in 2017 due to them aging out, but my mortgage scores for Equifax and Experian did not change! I was shocked.

Any idea why?

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is the BK still reporting? because the BK outranks them in terms of bad, so everything under it has little impact. 

[busybee85]

Just interesting that my credit card FICO scores increased on all 3, but my mortgage fico score only increased on my TU report. 

[CorpCrMgr1]

Congratulations on your negative accounts dropping off. Not sure why your score didn't improve.

This goes back a few years, but someone that I knew had a mortgage, a Dress Barn store card, and a bankruptcy on her CR. Her score was in the upper 700's. Mine was in the 725 range at the time with an auto loan, two CC, a couple of store cards and never late on any. The car loan originally was $15K was paid down to under $4K in the first year.  Must admit my AAoA was low. I guess a mortgage and a Dress Barn card is better to FICO scoring?

[SouthJamaica]

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@busybee85 wrote:

Just interesting that my credit card FICO scores increased on all 3, but my mortgage fico score only increased on my TU report. 

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How are you getting the scores?