@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Here is an interesting data point......My EX report still shows the Tax Lien, and it doesn't show it as paid like TU did. My EX score is 5 points higher. Could it be that having a paid lien removed that was almost 7 years ago took away some history, thus causing the drop?
No, that wouldn't be it. When my tax lien vanished from TU, my score jumped 77 points. The difference is that in my case, it was my only derog.
It would have been nice to get +77 but instead I got -3 !!!
Wait to see what happens on the other two bureaus when you next get an update; changes don't happen isolation unfortunately with any of the monitoring solutions.
Two possible things occurred:
- Some other change in your report caused the 3 point drop, and removing the lien did effectively nothing scorewise, or otherwise cancelled out the positive benefit which seems unlikely if there was a big change just from the tax lien falling off.
- There was a rebucketing event and suddenly you're scoring slightly worse against people that just have collections than those who had collection + tax lien.
End of day getting the tax lien off is the important thing, and a small drop or small gain isn't worth worrying about. The limiter on your scores are now the collections, address those and then you'll likely get the 70+ point leap that Captool, Jamie and others have received on that.
There's no correlation between TU and EX FICO 8 scoring unfortunately, can't even really do that with VantageScore and that will produce a much closer score set across the bureaus than any FICO model released to date with the possible exception of FICO 9 which we just haven't seen yet as consumers... but everyone's file is just slightly different between the bureaus, devil is in the details unfortunately.
