Guess the score drop! 1% to ZERO utilization

[Thomas_Thumb]

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@Anonymous wrote:

My report is not clean.

I am going to test sub 2% followed by an ultra lo $2-$5 reporting the next month, but I am expecting my baddies to go away next month.

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Ok - The real question is what are your scores now and what do you/(the simulators) think the scores will be after the baddies go away?

As I recall the baddies are liens and disappearance of all liens may net you 60 to 80 points.

P.S. Edit add - I would peg your Fico 8 scores at 800 to 820 (based on a current 740-745) if you had no inquiries nor lien.

[Anonymous]

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@Thomas_Thumb wrote:

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Ok - The real question is what are your scores now and what do you/(the simulators) think the scores will be after the baddies go away?

As I recall the baddies are liens and disappearance of all leans may net you 80 to 90 points.

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I am highly optimized, my FICO 8s are all EQ 740 TU 744 EX 740.  TU just took a bump up 4 points due to a 3 -> 2 inquiries.

3 liens (all the same lien, 3 different properties)

You can't take the liens off with the simulator, so I use the estimator.  I would think I am looking at 45-60 points on FICO 8, less on the mortgage scores.