What would my scores be without baddies (PRs)?

[masscredit]

My scores have come a long way over the last few years. All of the IIB accounts are gone.  The remaining baddies are public records. The BK is almost 7 years old and the liens range from 5 - 7 1/2 years. I have a total of 3 IRS liens. Only two report on 2 CRs. A different one is missing on each.  I had two state liens that I paid a few years ago. Only one of them reports on EQ and EX. They are marked paid. Both of them are gone from my TU report. 

Not that it makes a difference now but I'm wondering what my scores would be if those baddies were gone?  I only have 3 years until the BK falls off and I might try to make an arrangement with the IRS so a couple of the liens will go away. Based on what I've read here, I'm going to guess they'd be in the 775+ range. But, would I be rebucketed? I don't think that would matter much because my reports have been clean since 2010.

A summery of what's on each report and my scores - 

EQ -722

BK

1 State Lien - paid

2 Federal Liens

TU - 729

BK

3 Federal Liens

EX - 732 

BK

1 State Lien - paid

2 Federal Liens 

[Anonymous]

Your scores are better than mine (except for TU) and I don't have any baddies anymore  When my last 2 baddies fell off my reports last year I gained 50-70 points, depending on bureau. Tu gave me the highest increase.

[Thomas_Thumb]

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@masscredit wrote:

My scores have come a long way over the last few years. All of the IIB accounts are gone.  The remaining baddies are public records. The BK is almost 7 years old and the liens range from 5 - 7 1/2 years. I have a total of 3 IRS liens. Only two report on 2 CRs. A different one is missing on each.  I had two state liens that I paid a few years ago. Only one of them reports on EQ and EX. They are marked paid. Both of them are gone from my TU report. 

Not that it makes a difference now but I'm wondering what my scores would be if those baddies were gone?  I only have 3 years until the BK falls off and I might try to make an arrangement with the IRS so a couple of the liens will go away. Based on what I've read here, I'm going to guess they'd be in the 775+ range. But, would I be rebucketed? I don't think that would matter much because my reports have been clean since 2010.

A summery of what's on each report and my scores - 

EQ -722

BK

1 State Lien - paid

2 Federal Liens

TU - 729

BK

3 Federal Liens

EX - 732 

BK

1 State Lien - paid

2 Federal Liens 

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Getting clean could boost your scores more than 80 points from where they are today -  If you have no delinquencies (lates) on file, an open installment loan with a balance to loan ratio below 70%, an aggregate CC utilization below 9% and minimal inquiries on file. Yes, your file association for Fico 08 will move from one of the 4 dirty scorecards to one of the 8 clean scorecards

P.S. Inverse was in the 740 to 755 range with multiple liens on file. His AAoA was above 8 years and his oldest account was something like 18 years. He had a couple open mortgages and a car loan. No late payments and a low aggregate utilization, under 5%. No inquiries on one CRA rep[ort and 2 inquiries on the other two. When he got his two liens removed, his scores jumped to 840 for the CRAs showing 2 liens and 850 on the one without inquiries. [90 to 95 point change]

[masscredit]

I don't have any lates since the BK, utilization is usually in the 1-2% range, one auto loan that will be under 70% in August and 1-2 inquiries on each report. I'd have to check the AAoA for each report but I believe they are all in the 3 - 3 1/2 year range. 

It looks like I could see a significant increase after my reports are clean in a few years. 

[elim]

I lost a fed lien off of EX and EQ last month. It was my only neg...

EQ +60

EX +59

[Thomas_Thumb]

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@elim wrote:

I lost a fed lien off of EX and EQ last month. It was my only neg...

EQ +60

EX +59

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Congratulations and thanks for the data. Curious as to your AAoA and inquiry count?

In Inverse's case he had 2 liens removed as I recall so that and his high AAoA might explain his high count gain. Also, he got the liens removed a few years early - as opposed to them aging off. I suspect the impact of liens may drop over time before they age off.

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@masscredit wrote:

I don't have any lates since the BK, utilization is usually in the 1-2% range, one auto loan that will be under 70% in August and 1-2 inquiries on each report. I'd have to check the AAoA for each report but I believe they are all in the 3 - 3 1/2 year range. 

It looks like I could see a significant increase after my reports are clean in a few years. 

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 I'd guess between the BK and tax liens coming off you might pick up 80 points from where you are now. Until then your maximum score potential might be in the 740 to 750 range.

[RonM21]

Either way, it would be a shock if you didn't get a decent jump.

[surferchris]

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@Thomas_Thumb wrote:

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@masscredit wrote:

My scores have come a long way over the last few years. All of the IIB accounts are gone.  The remaining baddies are public records. The BK is almost 7 years old and the liens range from 5 - 7 1/2 years. I have a total of 3 IRS liens. Only two report on 2 CRs. A different one is missing on each.  I had two state liens that I paid a few years ago. Only one of them reports on EQ and EX. They are marked paid. Both of them are gone from my TU report. 

Not that it makes a difference now but I'm wondering what my scores would be if those baddies were gone?  I only have 3 years until the BK falls off and I might try to make an arrangement with the IRS so a couple of the liens will go away. Based on what I've read here, I'm going to guess they'd be in the 775+ range. But, would I be rebucketed? I don't think that would matter much because my reports have been clean since 2010.

A summery of what's on each report and my scores - 

EQ -722

BK

1 State Lien - paid

2 Federal Liens

TU - 729

BK

3 Federal Liens

EX - 732 

BK

1 State Lien - paid

2 Federal Liens 

---

Getting clean could boost your scores more than 80 points from where they are today -  If you have no delinquencies (lates) on file, an open installment loan with a balance to loan ratio below 70%, an aggregate CC utilization below 9% and minimal inquiries on file. Yes, your file association for Fico 08 will move from one of the 4 dirty scorecards to one of the 8 clean scorecards

P.S. Inverse was in the 740 to 755 range with multiple liens on file. His AAoA was above 8 years and his oldest account was something like 18 years. He had a couple open mortgages and a car loan. No late payments and a low aggregate utilization, under 5%. No inquiries on one CRA rep[ort and 2 inquiries on the other two. When he got his two liens removed, his scores jumped to 840 for the CRAs showing 2 liens and 850 on the one without inquiries. [90 to 95 point change]

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Thanks for the great information in regards the scorecards.