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

[JagerBombs89]

And here's the latest

FICO Scores as of 05/2020

Equifax 04 - 812           Experian8- 730         Trans 08  - 825

Equifax 09 - 820           Experian9- 780

FICO Scores as of 06/2020

Equifax 04 - 812           Experian8- 730         Trans 08  - 825

Equifax 09 - 820           Experian9- 780

FICO Scores as of 07/2020

Equifax 04 - 812           Experian8- 730         Trans 08  - 825

Equifax 09 - 820           Experian9- 783

FICO Scores as of 08/202020

Equifax 04 - XXX           Experian8- 730         Trans 08  - 836

Equifax 09 - 819           Experian9- 777

[MissImMe]

Thank you for the reminder that this is a journey, not a destination. 

[KangiCosmos]

Thank you for the update! I hope you finally got divorced. Congrats on the schooling! Keep your Student Loans current or have you paid them off by now? Will the forclosure drop from your report soon? 

I'm just starting my rebuild. I got into a pickle in 2018 (head trauma). I wasn't really pay attention to my credit then. I just thought it was bad. Turns out it was ok. Then I was clueless and just didn't pay some things after my injury. I could of saved myself the stress I'm having now, trying to clean it up, if I would of known about these forums then. 

New LIfe, New Ventures!

[JagerBombs89]

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@KangiCosmos wrote:

Thank you for the update! I hope you finally got divorced. Congrats on the schooling! Keep your Student Loans current or have you paid them off by now? Will the forclosure drop from your report soon? 

I'm just starting my rebuild. I got into a pickle in 2018 (head trauma). I wasn't really pay attention to my credit then. I just thought it was bad. Turns out it was ok. Then I was clueless and just didn't pay some things after my injury. I could of saved myself the stress I'm having now, trying to clean it up, if I would of known about these forums then. 

New LIfe, New Ventures!

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I'll be debt free at the end of the year (just an auto loan), until I go house shopping. My foreclosure was removed in Sept. 2019 from TU, Oct. 2019 from EQ, and EX lists Sept.2021 as the removal date.

Note: I disputed TU and EQ last year and put "account to old to report" and EQ and TU just deleted, EX said no thanks! 

[JagerBombs89]

Been a year since I pulled a full report, enjoy!

FICO Scores as of 09/2020

Equifax 04 - 812           Experian8- 730         Trans 08  - 829

Equifax 09 - 820            Experian9- 783

FICO Scores as of 10/2020 - (all scoring models):

• All 0 Inquiries
• All 1% overall UTIL
• Credit Cards - AZEO
• 1x Auto loan @ 16% loan/balance ratio
• Oldest Account: All 13 years
• AAoA - All 8 years (rounded down)
• AoYA - All 2.5 years

Equifax08 - 838               Experian8- 736            Trans 08  - 829

EQ Home -  812               EX Home - 746            TU Home - 819

EQ Auto 8 - 859               EX Auto 8 - 770           TU Auto8 -  855

EQ Auto 5 - 830               EX Auto 2 - 765           TU Auto4 -  860

EQ Bank8 - 860               EX Bank8 - 751            TU Bank8 - 858

EQ Bank5 - 833               EX Bank2 - 766            TU Bank4 - 851

Equifax09 - 822              Experian9-  784            Trans 09  -  822

EQ Auto 9 - 845              EX Auto 9 - 794            TU Auto9 - 840

EQ Bank9 - 833               EX Bank9 - 787            TU Bank9-  834

[jetsfan2013]

Thank you for sharing your journey. I sent this thread to a co worker of mine who is in a very similar situation you were in back in 2015 right now, and he is losing sleep that his 20 years of perfect credit is going to go down the drain on the other side of his upcoming divorce.

[805orbust]

Dude... like a BOSS!!!  This is amazing.  Thanks so much for chronicling your journey.  I've seen this thread pop up over the 7 years I've been coming here but never read it.  It's fantastic.  Wish you all the best moving forward!

[GApeachy]

Pretty Epic!