I just got a 5 year old judgement deleted in experian and the fico simulator is showing that the score will improve by 50 to 60 points which will put me in the 700 club. I just disputed without mentioning the bk(it was listed in bk anyway). Is there any way to check the real fico score just for experian without applying for a mortgage.
There have been several recent threads on the effect of having judgments removed.....based on those (and the fact htat the credit simulator is kind of crappy) I wouldn't expect 60 points. Old judgments being removed do not have as much an impact as if the judgment were newer. And particularly if you still have other negatives....I think the most I've read about here is a score jump of 20 pts, but many have been in the single digits. However, if you're current experian score is showing 640, you may well already qualify for a mortgage. Check out your Equifax score and see whtat that is, if it is in the mid-600s then you might just go ahead and have the lender pull all three scores.
I disputed a 6 yo judgment off my TU report this month. It was pretty big. My score went up 4 points, however I still have two smaller and ore recent ones on the report. My guess is I'll see the biggest increase when I get the last one off.
I disputed it as incorrect dates. This is the only delinquent item I have in the report. I think when the last delinquent one comes off, the score will improve a lot. When the delinquent moved from 4 to 3 to 2, I did see just couple of points moved up. Did anybody dispute hard enquiries with experian?
First make sure that the address u lived at at the time of the judgement isn't listed on your report. I disputed the address and they removed it and I waited a couple months, disputed the judgement and it came off.
