Last negative falls off, + 73 points

SouthJamaica · ‎06-01-2016

My only negative, an old public record, fell off my TU report. Gained 73 points, from 736 to 809.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎06-01-2016

Awesome news! Crazy that an old baddie (I'm guessing 7 years?) can still carry that type of impact.

SouthJamaica · ‎06-01-2016

@Anonymous wrote:
Awesome news! Crazy that an old baddie (I'm guessing 7 years?) can still carry that type of impact.

Well it's nice to be on a new "scorecard".

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

RonM21 · ‎06-01-2016

@SouthJamaica wrote:
My only negative, an old public record, fell off my TU report. Gained 73 points, from 736 to 809.

HUGE congrats to you!!!!! Very nice to see!

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

grillandwinemaster · ‎06-01-2016

@Anonymous wrote:
Awesome news! Crazy that an old baddie (I'm guessing 7 years?) can still carry that type of impact.

Yes, and there's those of the opinion that "after 4 years it no longer counts..." Lol

But, many congrats to you, Jamaica! My 800+ date is not until 2020 when my last baddie Falls off.

Congrats again!

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

SouthJamaica · ‎06-02-2016

Thanks RM and grillandwine

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎06-02-2016

@grillandwinemaster wrote:
Yes, and there's those of the opinion that "after 4 years it no longer counts..." Lol

I guess the question is which baddies "count" for the whole 7 year duration and which don't... or, which lose their impact over time? I've read that 30/60 day lates lose their impact after 2 years; not sure if that's 100% impact or partial. Not sure about other baddies, though.

Anonymous · ‎06-02-2016

That's awesome! Congrats!

Anonymous · ‎06-02-2016

@SouthJamaica wrote:
My only negative, an old public record, fell off my TU report. Gained 73 points, from 736 to 809.

Incredible! And wonderful!!!

Anonymous · ‎06-02-2016

Was the baddie reported the same across all 3 bureaus? I heard improper reporting can hurt. Because the inconsistencies make your identity questionable and therefore a higher risk.