score drop

[Anonymous]

So,,my auto loan appeared on my Equifax today---My score has done the following for equifax since i enrolled into scorewatch-----623-had a collection removed then went to 646--dropped to 640 last week not sure why--dropped to 631 today because car loan appeared...

How much do u think my score will raise, once i remove my last med collection from 2007- I have never  been late on anything--i have a walmard card $0/800, chase $646/2800, hasnt posted yet but a amex $340/2000, a 131777 car loan, closed school loan$1000 paid..Ive been trying to raise my score not, drop it..So that I could possibly apply for a home loan in ab out 2 or 3 months.

[Anonymous]

O  yea,,,i have a 720 fico on EX ..it has no collections-but hasnt posted my Amex just yet

 updated:

I meant to say EX not Tu

Message Edited by shay2009 on 02-21-2009 11:30 AM

[haulingthescoreup]

Since you don't have any lates (which are score-killers for EQ), I'd guess that the TU score is a pretty good predictor.

So low 700's, anyway.

[marty56]

On EX, I lost 15 points when my autoloan first showed up but when made my first payment, I got 14 of them back.

[Anonymous]

I made my first payment on 10th, so I hope I gain atleast half of those points back when it updates to show first payment