Foreclosure fell off, no raise in score

[Anonymous]

Yesterday I logged onto my Amex CMS and noticed that my foreclosure fell off on EQ, not the others yet. I came here and checked my score. I validated no FC on the report, but there was no increase in my score. I have not bad marks at all on my EQ, so I am happy of course, I just thought the score would go up - even just a little. I haven't had increases in balances or new accounts to offset this... I also was suprised it came off this year. I did some research about a year ago here and asked when I could expect it to fall off, some said 7 years from the first missed payment, others said 7 years from the final FC date. 7 years for the FC date is next August... but this August was 7 years from first missed payment... so it appears that is the case then...

[llecs]

Was there a dispute comment showing?

[Anonymous]

Yes, there was. It was there from where I had a company clean up my credit about 4 years ago now.

[llecs]

Even though any dispute would have been settled a long time ago, sometimes the comment will linger. For as long as that comment shows FICO will ignore the TL's payment history, balance, and CL (if a revolving). So prior to the demise of the TL FICO didn't score the baddie aspects of that TL. So when it disappeared there was no improvement. 

I know it can be a bummer for not receiving points but think about the artificial increase over the past many years for having that comment show. Whenever I GW'd a car loan that showed a redeemed repo the lender added a dispute comment. I always sent GW letters 30-60 days ahead of any anticipated apps knowing my FICO would increase during that time. It can be handy to have a situation like you had.