Last derog removed from DW's TU Report - Guess her new scores?

[spiritcraft1]

DW just had her last derog removed through EE on TU.  Her scores of course increased and thought would be interesting to have experts guess by how much.

Her DP's

Last Derog was a $250.00 6.5 YO paid CO

(9) open CC accounts, (1) store card (amazon), no lates

CC CL's $61,000

ULI: <1%  (two small balances reporting)

Just lost 8 FICO 08 points a couple weeks ago for having $0 balance on her only AU account

Oldest account 12 years

Average Age: 3 years

Most recent: 4 months

Has SSL loan paid down to 7%

TU Scores were:

FICO 08 = 737 to ???

FICO 04 = 716 to ???

FICO: 09 721 to ???

Start rebuilding in mid 2016 with a NFCU 390 EQ score.

[Mr_Mojo_Risin]

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@spiritcraft1 wrote:

DW just had her last derog removed through EE on TU.  Her scores of course increased and thought would be interesting to have experts guess by how moch.

Her DP's

Last Derog was a $250.00 6.5 YO paid CO

(9) open CC accounts, (1) store card (amazon), no lates

CC CL's $61,000

ULI: <1%  (two small balances reporting)

Just lost 8 FICO 08 points a couple weeks ago for having $0 balance on her only AU account

Oldest account 12 years

Average Age: 3 years

Most recent: 4 months

Has SSL loan paid down to 7%

TU Scores were:

FICO 08 = 737 to ???

FICO 04 = 716 to ???

FICO: 09 721 to ???

Start rebuilding in mid 2016 with a NFCU 390 EQ score.

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I'm nowhere near an expert but ill give it a go.

FICO 8  737 to 756

FICO 4  716 to 732

FICO 9  721 to 744

[ccquest]

Going to guess in the neighborhood of 30-40 points?

[spiritcraft1]

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@spiritcraft1 wrote:

Her DP's

Last Derog was a $250.00 6.5 YO paid CO

(9) open CC accounts, (1) store card (amazon), no lates

CC CL's $61,000

ULII: <1%  (two small balances reporting)

Just lost 8 FICO 08 points a couple weeks ago for having $0 balance on her onlyAUU account

Oldest account 12 years

Average Age: 3 years

Most recent: 4 months

Has SLL loan paid down to 7%

TU Scores were:

FICO 08 = 737 to ???

FICO 04 = 716 to ???

FICO 09 = 721 to ???

Start rebuilding in mid 2016 with a NFCU 390 EQ score.

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Her normal MF 3B pull was on Sunday AM and then we paid for a TU only pull Sunday night after she received a notice that the last CO had been removed.  Nothing else changed.

New TU Scores are in bold:

FICO 08 = 737 to 801

FICO 04 = 716 to 776

FICO 09 = 721 to 824

I was not expecting a 103 point jump on F09.   I am looking forward to similar jumps on my scores over the next few months.  This last CO was revomed through an online dispute noting "too old to be on record" .

[ccquest]

Wow, even higher than I would have thought! Minimum was 60 points.

[spiritcraft1]

Crazy huh?  This would mean that she gained somewhere around 430 points on her TU FICO 09 score since mid 2016.  

[Mr_Mojo_Risin]

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@spiritcraft1 wrote:

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@spiritcraft1 wrote:

Her DP's

Last Derog was a $250.00 6.5 YO paid CO

(9) open CC accounts, (1) store card (amazon), no lates

CC CL's $61,000

ULII: <1%  (two small balances reporting)

Just lost 8 FICO 08 points a couple weeks ago for having $0 balance on her onlyAUU account

Oldest account 12 years

Average Age: 3 years

Most recent: 4 months

Has SLL loan paid down to 7%

TU Scores were:

FICO 08 = 737 to ???

FICO 04 = 716 to ???

FICO 09 = 721 to ???

Start rebuilding in mid 2016 with a NFCU 390 EQ score.

---

Her normal MF 3B pull was on Sunday AM and then we paid for a TU only pull Sunday night after she received a notice that the last CO had been removed.  Nothing else changed.

New TU Scores are in bold:

FICO 08 = 737 to 801

FICO 04 = 716 to 776

FICO 09 = 721 to 824

I was not expecting a 103 point jump on F09.   I am looking forward to similar jumps on my scores over the next few months.  This last CO was revomed through an online dispute noting "too old to be on record" .

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Yep, I knew I wasn't an expert!! 🤣

Seriously though, that is massive!!

Big congrats to the 2 of you!