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FICO Score

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Deltadog03
Established Contributor

FICO Score

** A general question**  

I am re-building my credit after my ch7 bk that was discharged a couple of months ago.  I have learned SOOO much from everyone on here and a few have been an increadable help!  TY!  Ok, I have 1 BK, 1 Judgment (trying to get vacated) 5 CO, 1 CA left on my report.  2 old CC paid and good.  2 Student loans paying/good never late.  7 Sallie Mae SL TL that pays as agree, BUT they have a 90,120,150 late back in late 2011 that were in error from there end and they already refunded my late fees and the lates will be OFF my CR they say at the end of the month when they report. sweet!!  I am also about to have 2 new Cap1 cards (only revolv after BK) about to report at the end of the month.  Will that being said, what kind of increase do yall think I will get with those 21 (3 lates on each TL (7 total))??  Also combine that with the 2 new TL about to be reported...  oldest account 14 years  AAoA is 8 years.  Thank yall!!!

Current scores in my siggy

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 1 of 9
8 REPLIES 8
Deltadog03
Established Contributor

Re: FICO Score

any takers?  I Was thinking maybe 70-100 points....

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 2 of 9
Deltadog03
Established Contributor

Re: FICO Score

Anything yall?

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 3 of 9
soILseminole
Contributor

Re: FICO Score

it will be YMMV, but im sure a nice bump. The 2 new accounts might eat some of those points lowering your AAoA
Current: |MyFico TU-766| |MyFico EQ-737| |Amex EX-736| (May '13)
Message 4 of 9
Deltadog03
Established Contributor

Re: FICO Score

Thanks for the reply. It looks like with the 2 new accounts my AAoA would still be at or around 8 years
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 5 of 9
blondy250
Established Contributor

Re: FICO Score

My guess 50 points, the new accounts will hurt.

Fico 8 12/9/17
Equifax 850, TransUnion 842 10/30/17 , Experian 842 12/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 6 of 9
Deltadog03
Established Contributor

Re: FICO Score

Ok, thank yall!  The new accounts will hit the report before the lates come off.  The lates will come off when they report at end of month.  

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 7 of 9
guiness56
Epic Contributor

Re: FICO Score

Each TL has the equivalent of a CO, meaning scored the same, major derogatory.  That would be like having 7 COs removed from your report, all at the same time.

 

The addition of the 2 new TLs could go either way.  I've seen scores go up 50 points and others drop 50 points.

 

I could see your score easily going up between 60 -100 points.  If you have nothing else negative on your report after all this happens you could also be rebucketed.

Message 8 of 9
Deltadog03
Established Contributor

Re: FICO Score

Thank You Guiness....and everyone else!  I am super stoked about those getting removed from there.  If I can get 60-100 points for it.....WOW that would be very nice!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 9 of 9
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