From 800+ to Foreclosur​e - How Negatives Affect Your Score

[JagerBombs89]

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@EW800 wrote:

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

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Jager, I agree with Revelate.  If it were me, I would wait until July as well.  I too have experienced that some things on some reports seem to update at the beginning of the month.  

So pleased that your recovery is going so well.  I really enjoy following your progress and appreciate how you have followed my recovery! 

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Yup, waiting to July sounds good to me.  I'm fine with the free scores I get monthly, plus $30 one time sounds good too!

[masscredit]

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@JagerBombs89 wrote:

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@EW800 wrote:

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

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Jager, I agree with Revelate.  If it were me, I would wait until July as well.  I too have experienced that some things on some reports seem to update at the beginning of the month.  

So pleased that your recovery is going so well.  I really enjoy following your progress and appreciate how you have followed my recovery! 

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Yup, waiting to July sounds good to me.  I'm fine with the free scores I get monthly, plus $30 one time sounds good too!

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You could use the Credit Check Total site to view your scores for $1.00 (one week trial).

[EW800]

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@JagerBombs89 wrote:

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@EW800 wrote:

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

---

Jager, I agree with Revelate.  If it were me, I would wait until July as well.  I too have experienced that some things on some reports seem to update at the beginning of the month.  

So pleased that your recovery is going so well.  I really enjoy following your progress and appreciate how you have followed my recovery! 

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Yup, waiting to July sounds good to me.  I'm fine with the free scores I get monthly, plus $30 one time sounds good too!

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I am really looking forward to seeing how your scores look in July! 

[JagerBombs89]

Tried to buy the 3B Ultimate and MyFICO can't verify my identity, oh well:

FICO Scores as of 05/2019

Equifax 04 - 733           Experian8- 723         Trans 08  - 711

Equifax 09 - 774

FICO Scores as of 06/2019

Equifax 04 - 733           Experian8- 724         Trans 08  - 711

Equifax 09 - 774

FICO Scores as of 07/2019

Equifax 04 - XXX           Experian8- 724         Trans 08  - 711

Equifax 08 - 721            EX Home2- 722

Equifax 09 - XXX           EX Auto2 -738

                                         EX Auto8- 753

                                         EX Bank2- 746

                                         EX Bank3- 721

                                         EX Bank8- 740

[JagerBombs89]

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@EW800 wrote:

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@JagerBombs89 wrote:

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@EW800 wrote:

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@JagerBombs89 wrote:
I didn't even realize I haven't posted on months, lol. Foreclosure is coming up on 4 years here in the next week or two. I figured I'd buy the 30 score report shortly after just to see every score. Should I wait a week after it's 4 years old or should I wait until July?

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Jager, I agree with Revelate.  If it were me, I would wait until July as well.  I too have experienced that some things on some reports seem to update at the beginning of the month.  

So pleased that your recovery is going so well.  I really enjoy following your progress and appreciate how you have followed my recovery! 

---

Yup, waiting to July sounds good to me.  I'm fine with the free scores I get monthly, plus $30 one time sounds good too!

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I am really looking forward to seeing how your scores look in July! 

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Just got verified, here they are:

FICO Scores as of 07/2019 - (all scoring models):

• TU & EX 1x inquiry each
• 1% overall UTIL
• All cards but 1 w/ $0 balance
• 1x Auto loan @ 73% loan/balance ratio
• Oldest Account: 11 years
• AAoA - 7 years
• AoYA - 1 year

Equifax08 - 721               Experian8- 724            Trans 08  - 713

EQ Home - 733                EX Home - 722            TU Home - 714

EQ Auto 8 - 749               EX Auto 8 - 753           TU Auto8 -  745

EQ Auto 5 - 754               EX Auto 2 - 738           TU Auto4 -  737

EQ Bank8 - 738               EX Bank8 - 740            TU Bank8 - 736

EQ Bank5 - 746               EX Bank2 - 746            TU Bank4 - 743

Equifax 09 - 774               Experian9-  779           Trans 09  -  767

EQ Auto 9 - 780               EX Auto 9 - 789            TU Auto9 - 775

EQ Bank9 - 776                EX Bank9 - 783           TU Bank9-  772

[JagerBombs89]

Decided to dispute my account with TU with a reason of "Creditor agreed to delete this account"... POOF, IT'S GONE! Score jumped from a 721 to a 807!

[EW800]

Congratulations!!!! I bet you darn near had tears in your eyes seeing a score back in the 800’s!!

Congratulations on your excellent recovery!!

[JagerBombs89]

Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!

Not only that, but the "Date Closed" is missing as well!

[MrCreditInternational]

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@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!

Not only that, but the "Date Closed" is missing as well!

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Why did they add the 120 late?

[EW800]

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@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!

Not only that, but the "Date Closed" is missing as well!

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NO!  Are you kidding?  What do you make of that?  Was it to the same mortgage account?  I assume you will be fighting that?  

So sorry...