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

[JagerBombs89]

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@MrCreditInternational wrote:

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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?

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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.

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@EW800 wrote:

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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...    

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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.

[EW800]

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@JagerBombs89 wrote:

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@MrCreditInternational wrote:

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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!

---

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.

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@EW800 wrote:

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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!

---

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...    

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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.

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

[JagerBombs89]

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@EW800 wrote:

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

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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

[EW800]

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!  

[EW800]

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! 

When do you hope to have it gone from EXP?  

[JagerBombs89]

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@EW800 wrote:

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! 

When do you hope to have it gone from EXP?  

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I'll either try to get it removed or I'll just wait out the next 2 years.  I'm not too worried as if I need credit, I'll just keep EX frozen and pull from one of the other two.  Plus, mortgage is now ready since they use the middle score

[EW800]

Yes, indeed! I noticed that your middle mortgage score of 800 is beautiful! Such a joy after all that you have been through!! 😀

[Creditsen]

Back in the 800s!!!

[JagerBombs89]

Doesn't look like I have much more recovery to follow, until my foreclosure drops from Experian, but here's the latest anyways!

FICO Scores as of 12/2019

Equifax 04 - 809           Experian8- 728         Trans 08  - 815

Equifax 09 - 820

FICO Scores as of 01/2020

Equifax 04 - 809           Experian8- 728         Trans 08  - 811

Equifax 09 - 820

FICO Scores as of 02/2020

Equifax 04 - 809           Experian8- 728         Trans 08  - 811

Equifax 09 - 820

FICO Scores as of 03/2020

Equifax 04 - 809           Experian8- 728         Trans 08  - 811

Equifax 09 - 820

FICO Scores as of 04/202020

Equifax 04 - XXX           Experian8- 730         Trans 08  - 825

Equifax 09 - 820

[EW800]

Jager,

Thanks for the update!  I have thoroughly enjoyed following your journey, especially since we share very similar stories, going from high scores, to the toilet, and back up again!  Looks like you have had an amazing recovery as well.  Congratulations!  

Your earlier comment is spot-on.  No matter when the baddie falls from Experian, your middle mortgage score is beautiful!  

Thanks for keeping up with the updates over these years!