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** 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
any takers? I Was thinking maybe 70-100 points....
Anything yall?
My guess 50 points, the new accounts will hurt.
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.
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.
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!