Highest score with judgment(s)?

[jdogi]

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@poops wrote:

This is a case where YMMV applies to the extreme... I had a Judgment fall off my EQ report last month after 7 years. I was expecting my EQ Score to jump. Instead, it dropped 13 pts, from 691 to 678. They only thing that changed on my report was an increase in utilization of approximately 4%. From 39% to 43%.

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And it is stories like yours that still had me wondering.  I've essentially spent the past 6+ years waiting for my troubled history to clear and avoiding anything new that would anger the FICO gods.  About 3 years ago, the last of my negatives dropped off, except the judgments.  This put my scores in the 670-675 range.  At that point, there really wasn't anything I could do but pay everything on time and get some new, better CCs.

Last year I decided to bring my balances down to see how high my scores woud go and was disappoined to find a glass ceiling around 690-700 (my FAKOs at the time were ~770).  I was really hoping that I could lift them over or around the 720.

In about six weeks, I will have paid off most of the holiday damage to my utilization.  I'm thinking the better util, car loan turning one, and some CC CLIs will give me another 5-10 points.  So, I'll have two scores ~760+ and one ~700.  I hate that ONE ;-)

[mygoal750]

i had the same question, too....how much will my score change when a judgment falls off?  My judgment was filed in Dec. 2005, satisfied (PIF) Aug. 2009.  So, it will fall off this December..I hope I get the big increase that jdogi got!  but, with my luck, i'll get a decrease like poops did.

I'm so confused about my score.  On my WalMart card, my January score was 725 and this months is 726.  I got a new Discover card about 3 weeks ago (CL $5K), and per their disclosure info, they pulled TU and it was 726.  Today, I got my quarterly report from MyFico, and it says my TU score is 688.  I thought Myfico was the most up-to-date report but the balances reporting for my various cards do not reflect payments made after Dec. 31, 2011.  I paid off holiday debt last month, but it's not reflected in today's report.

I'll keep plugging along, and continue to pay down the rest of my debt.  I've been a reader on these boards for about 3 years, and can say without hesitation that this site is one of the best!  I like the fact that people are truthful with you.  some are a little too harsh, but at least you know you will get good, solid info from people that "have been there".  Thanks again!

[MarineVietVet]

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@mygoal750 wrote:

i had the same question, too....how much will my score change when a judgment falls off?  My judgment was filed in Dec. 2005, satisfied (PIF) Aug. 2009.  So, it will fall off this December..I hope I get the big increase that jdogi got!  but, with my luck, i'll get a decrease like poops did.

I'm so confused about my score.  On my WalMart card, my January score was 725 and this months is 726.  I got a new Discover card about 3 weeks ago (CL $5K), and per their disclosure info, they pulled TU and it was 726.  Today, I got my quarterly report from MyFico, and it says my TU score is 688.  I thought Myfico was the most up-to-date report but the balances reporting for my various cards do not reflect payments made after Dec. 31, 2011.  I paid off holiday debt last month, but it's not reflected in today's report.

I'll keep plugging along, and continue to pay down the rest of my debt.  I've been a reader on these boards for about 3 years, and can say without hesitation that this site is one of the best!  I like the fact that people are truthful with you.  some are a little too harsh, but at least you know you will get good, solid info from people that "have been there".  Thanks again!

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Sadly the TU score you get here is the older TU98 version which is still used by many lenders but it's being replaced by the newer TU04 and the most recent TU08 version. The score WM gives you is the TU08 version.

Edited for a typo.

[mygoal750]

thanks for the response, marinevietvet.  I appreciate it....I was hoping you would respond.  When you reply to a message, you are much nicer and succient than some others responders! 

[MarineVietVet]

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@mygoal750 wrote:

thanks for the response, marinevietvet.  I appreciate it....I was hoping you would respond.  When you reply to a message, you are much nicer and succient than some others responders! 

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I appreciate that but I'm afraid there are several members who would not agree with your opinion.

I also think my sons would take you to task for saying that. 

[jdogi]

EQ FICO just jumped to 780 due to one INQ falling off and utilization dropping from 22% to 18% (AMEX CLI).  Util will be under 10% in a week or so, should be inetersting

[Anonymous]

It's an old thread but looks from your sig and the post date as though your scores made it to the 800s with the judgements just having dropped off now. What was the highest you got to with the judgements? Was it a substantial difference once they dropped off?

Edit to add: This was to poster Imhotrodcrazy but it doesn't seem to have posted as a reply to you. But if anyone else wants to wade in I would appreciate it.

[Anonymous]

2 Judgements 6.5 yrs old on 2 of 3 credit reports (these are the only items left that are negative):

738, 739, one without the judgements is 758. I figure at this point it takes off about 20 points. Ready to finally be rid of 2008, though.

[CS800]

I can tell you for a fact that whn I had a judgement years ago, I noticed an instant 30 points drop all across. It was a stupid judgement for $500 that the company could have just told me and I would have paid but instead, they initiated a smalls claims and then I paid it the same month without going to court. it still reported. But the drop was a big one to swallow. A full 30 points drop.

I'm not sure I can even have it taken off.

[Shann0n_marie]

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@jdogi wrote:

I know this restricts the pool of potential responders, but I'm wondering if those of you who have been so afflicted could share your highest score attained with a judgment reporting.  My report is completely clear of baddies (and has been for some time), with one exception, a pair of judgments (6yrs and 6.5yrs old).

My

AAoA: 5+yrs

Oldest: 16+yrs

Still, my FICO scores are stuck in the 690-700 range.  My utilization is enerally in the 10% to 20% range, but it doesn't seem to change these scores much.

I've pretty much resigned myself to this range for another year until the judgments are gone, but I'm interested in hearing other observations.

Anybody been able to get over 720?  750?

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BUMP -- anyone else have experience with this & tax liens on your credit?  How long until it ages off?  Satisfied or UnPaid?  Credit Scores?  I just got a civil judgement from my HOA association from when my home went into foreclosure updated to show satisifed & also a state of CA tax lien for $6700 updated to show satisified/released.

TIA!   (I still have 2 more years until the tax lien will drop off & the judgement is more like 4 more years.)