@ebf156 wrote:tu removed tax lien today from the withdraw process great but i expected a score jump even though its a fako i expected a jump or a move of some kind will see when it hits fico.
any input on this thanks
What else is on your file? I didn't gain much with 2 tax liens coming off because I have a third depressing the score still unfortunately. Got some points, but it wasn't major.
Also FAKO is as FAKO does.
@ebf156 wrote:i have a paid mildland collection
3 credit card charge off unpaid from 5-08
repo from 2010
positive
2 car loans both on time since 2012
just opend boa secured and a fingerhut
both just started to report
and a bunch of old loans all positive from years ago
i have checked tu fico a hour ago i went from 600 to 593 and the lien has been removed
That's a bunch of changes on your report and TBH I wouldn't worry about small ups and downs from a FICO perspective: the long term goal is to build a healthy credit profile, and getting clean is the primary goal there... as a result, getting that tax lien airstruck (congrats!) is the important thing, and the scores really aren't (if they ever are, only score that matters is what a lender pulls so focus on the report data, not the scores). Smart move establishing the two open credit cards to go with the two open auto loans, well done on that! Will help non-trivially going forward.
Sounds like you're doing fine overall: some of those negatives should be coming up next year and wouldn't surprise me to see a non-trivial bump from that: I'd just hold steady making payments on time and see if you can clean up any of the other derogatories.