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

Established Contributor

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

The last 5 months have been relatively uneventful:

 

FICO Scores as of 10/2016

Equifax 04 - 695            Experian8- 693          Trans 08  - 703

 

FICO Scores as of 11/2016

Equifax 04 - 707            Experian8- 693          Trans 08  - 704

 

FICO Scores as of 12/2016

Equifax 04 - 707            Experian8- 694         Trans 08  - 705

 

FICO Scores as of 01/2017

Equifax 04 - 707            Experian8- 699         Trans 08  - 706

 

FICO Scores as of 02/2017

Equifax 04 - 704            Experian8- 699         Trans 08  - 706

 

FICO Scores as of 03/2017

Equifax 04 - 704            Experian8- 701         Trans 08  - 707

Message 161 of 171
Valued Contributor

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

Thanks for the update!  I was actually thinking about you last week, wondering what the latest was with your scores/recovery.  It will be interesting to see how much additional time will need to go by to see more improvement. 

 

Thanks again!  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher
In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 162 of 171
Established Contributor

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


EW800 wrote:

Thanks for the update!  I was actually thinking about you last week, wondering what the latest was with your scores/recovery.  It will be interesting to see how much additional time will need to go by to see more improvement. 

 

Thanks again!  

 

 


If you look at the first post on this thread, I update it monthly.  I just don't make additional posts on here since there are no major changes, in case you ever wanted to check Smiley Wink

Message 163 of 171
Valued Contributor

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

Thanks! I am going to check the original post regularly, as I have been following your success!

As you know, my scores have hardly moved at all in about three years since I've been recovering from the foreclosure. TU FICO 8 did throw me a small bone a couple of weeks ago! I had thought 739 was absolutely the highest possible score in my current derog bucket, however I got movement to 740. It will be interesting to see if FICO 8 can go much higher, with the major baddie still showing. All my FICO 9 scores are still around 785 to 790.


Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher
In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 164 of 171
Established Contributor

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

With all you're going through you're staying positive and that's good school will probably keep your mind offf things
Message 165 of 171
Valued Contributor

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

Strength in patience. Thanks for continuing to update us. I followed your story when I was a lurker! Heart


EX08 659 EQ08 660 TU08 695 Starting: mid 300'sGoal: 700
Message 166 of 171
Valued Contributor

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

Hey Jager, 

 

Just wanted to check in with you.  Hope the recovery is still going well!  As you know, I have been following your progress closely, as we have similarities.  

 

I am proud to say that I should just be a matter of months from clean reports.  My foreclosure, as well as the CC settlement, are set to fall off by fall of this year.  I am hoping to achieve some EE love around summer.  It will be interesting to see what my scores do at that time.  

 

Hope all is well for you!

 

EW

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher
In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 167 of 171
Contributor

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

Kudos to you Jager.  You saw the HELL coming, formulated a plan and stuck to it.  Thanks for sharing your story and progress.  Best of luck to you.  HOOAH!!

Message 168 of 171
Established Contributor

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


EW800 wrote:

Hey Jager, 

 

Just wanted to check in with you.  Hope the recovery is still going well!  As you know, I have been following your progress closely, as we have similarities.  

 

I am proud to say that I should just be a matter of months from clean reports.  My foreclosure, as well as the CC settlement, are set to fall off by fall of this year.  I am hoping to achieve some EE love around summer.  It will be interesting to see what my scores do at that time.  

 

Hope all is well for you!

 

EW


Sorry, I haven't been on the forums in a few months - started a new job and was going to school at the same time!  However, I just updated the front page with the latest and greatest scores.  I still have another 4 years before my foreclosure drops off, but once you get your dropped, maybe I will start asking for early exclusion - like real early, ha! I would think that your scores would jump above 800 once your negatives drop off, so defintely let me know what happens!

Message 169 of 171
Valued Contributor

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


@wrote:

EW800 wrote:

Hey Jager, 

 

Just wanted to check in with you.  Hope the recovery is still going well!  As you know, I have been following your progress closely, as we have similarities.  

 

I am proud to say that I should just be a matter of months from clean reports.  My foreclosure, as well as the CC settlement, are set to fall off by fall of this year.  I am hoping to achieve some EE love around summer.  It will be interesting to see what my scores do at that time.  

 

Hope all is well for you!

 

EW


Sorry, I haven't been on the forums in a few months - started a new job and was going to school at the same time!  However, I just updated the front page with the latest and greatest scores.  I still have another 4 years before my foreclosure drops off, but once you get your dropped, maybe I will start asking for early exclusion - like real early, ha! I would think that your scores would jump above 800 once your negatives drop off, so defintely let me know what happens!


Yes, I absolutely will keep you in the loop!

 

I agree that I should shoot over 800 when the baddies fall off.  I believe I mentioned to you some time ago that for some reason the foreclosure never hit my wife's credit reports.  Everything else is pretty much the same, other than one credit card that she has that is just in her name.  Her FICO 8 scores are in the 825-830 range, so I hope to join her in that beautiful neighborhood later this year.  

 

Thanks for staying in touch!  I will always be watching your journey with interest as well!  

 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher
In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 170 of 171