cancel
Showing results for 
Search instead for 
Did you mean: 

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

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

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


@MrCreditInternational wrote:

@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!

Why did they add the 120 late?


According to the EQ rep, once the creditor validated the information, they put the "last status" (120 days late) as the most recent status in the 08/2019 payment history.  Doesn't seem legit, so I'll probably have to call back.

 


@EW800 wrote:

@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!

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...   Smiley Sad 


I'll be getting my free EQ04, EQ09 and buying EQ08 from Experian all here within a week.  Going to wait and see if there was a significant change in score.  EQ did say my my account can be deleted in Dec. 2021, so, I'll have to weigh the options of fighting it or not.

Message 191 of 195
Valued Contributor

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


@JagerBombs89 wrote:

@MrCreditInternational wrote:

@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!

Why did they add the 120 late?


According to the EQ rep, once the creditor validated the information, they put the "last status" (120 days late) as the most recent status in the 08/2019 payment history.  Doesn't seem legit, so I'll probably have to call back.

 


@EW800 wrote:

@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!

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...   Smiley Sad 


I'll be getting my free EQ04, EQ09 and buying EQ08 from Experian all here within a week.  Going to wait and see if there was a significant change in score.  EQ did say my my account can be deleted in Dec. 2021, so, I'll have to weigh the options of fighting it or not.


Wow, please keep us updated.  So sorry to hear this, however it sounds like you have a good plan.  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 192 of 195
Established Contributor

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


@EW800 wrote:


Wow, please keep us updated.  So sorry to hear this, however it sounds like you have a good plan.  


So EQ09 went up 2 points, EQ08 stayed the same as last month, but EQ04 dropped 20 points.  I never did call EQ back and was just going to accept a 2-year drop off period when I logged into CreditKarma earlier - EQ DELETED the foreclosure!!!   I just had to buy some new scores!

 

FICO Scores as of 10/2019 - (all scoring models):

  • TU & EX 1x inquiry each
  • 1% overall UTIL
  • All cards but 1 w/ $0 balance
  • 1x Auto loan @ 65% loan/balance ratio
  • Oldest Account: 12 years
  • AAoA - 7 years (94 months) on TU & EQ / 8 years on EQ
  • AoYA - 1.5 years

Equifax08 - 826               Experian8- 724            Trans 08  - 808

EQ Home -  809               EX Home - 725            TU Home - 800

EQ Auto 8 - 844               EX Auto 8 - 753           TU Auto8 -  826

EQ Auto 5 - 827               EX Auto 2 - 743           TU Auto4 -  830

EQ Bank8 - 848               EX Bank8 - 740            TU Bank8 - 831

EQ Bank5 - 828               EX Bank2 - 749            TU Bank4 - 833

Equifax09 - 820              Experian9-  779            Trans 09  -  809

EQ Auto 9 - 843              EX Auto 9 - 789            TU Auto9 - 823

EQ Bank9 - 831               EX Bank9 - 783            TU Bank9-  821

Message 193 of 195
Highlighted
Valued Contributor

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

Congratulations, Jager!!   You have had a GREAT recovery!!!!   Doesn't it feel great!  

 

It will be interesting to see what points you get when your auto loan goes down some.  When my auto loan went below 10% (paid down a couple of years in advance), my auto-enhanced scores went to about 898 to 900.  

 

You have had a great recovery!!!   I remember when you and I started this journey together!  We need to go our for a cold one!  

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 194 of 195
Valued Contributor

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

I was just going back through your amazing story and recovery again.  You really have recovered nicely and it is so great that you now have the foreclosure off of EQ and TU!  Smiley Happy

 

When do you hope to have it gone from EXP?  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 195 of 195
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.