Date post: | 21-Dec-2015 |
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©2010 CoreLogic. Private & Confidential
But I just got my score…Did you get it from these guys?
Why is it different?
©2010 CoreLogic. Private & Confidential
Mortgage Payment Guide*
760 vs. 639 = $289.00 Savings
* www.myfico.com/HelpCenter/Mortgages/
©2010 CoreLogic. Private & ConfidentialSource: http://www.scoreinfo.org/Your-Credit-Future/Credit-Statistics.aspx
©2010 CoreLogic. Private & Confidential
Payment History
Amount of Debt
Length of
Credit History
Acquisition of
New Credit
Types of Credit in Use
©2010 CoreLogic. Private & Confidential
“recover” after the fact.
*
* =http://bankinganalyticsblog.fico.com/2011/03/research-looks-at-how-mortgage-delinquencies-affect-scores.html
©2010 CoreLogic. Private & ConfidentialStatute of Limitations
• 10 yrs from date of entry for reliefBankruptcy
• 7 yrs from paid dateTax Liens (Paid)
• No limitTax Liens (Un-paid)
• 7yrsJudgment
• 7yrs (from date of charge off)
Charge Off/Collections
• 7yrsForeclosure
• 7yrsOther Adverse Items
©2010 CoreLogic. Private & Confidential
Get the facts first, then you can distort them as you please.
- Mark Twain
©2010 CoreLogic. Private & Confidential
Closing my unused credit card will improve my FICO Score
False
©2010 CoreLogic. Private & Confidential
Spreading balances across multiple cards helps my score
False
©2010 CoreLogic. Private & Confidential
FICO penalizes me for having too many former addresses
False
©2010 CoreLogic. Private & Confidential
Opting out of pre-approved credit offers will increase my FICO Score
FalseContact:www.OptOutPrescreen.com or1-888-5OptOut (1-888-567-8688)
©2010 CoreLogic. Private & Confidential
Bonus Myth – Loan Modifications will have a negative effect on your FICO Score
It Depends
©2010 CoreLogic. Private & Confidential
“recover” after the fact.
*
* =http://bankinganalyticsblog.fico.com/2011/03/research-looks-at-how-mortgage-delinquencies-affect-scores.html