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Originally Posted by expertcredit09  How can I recalculate my credit score until updated on credit report. Basically trying to monitor from home. |
I have tried to do this myself.
There are a few things you can count on. Like newer inquiries, they are usually 5-15 points a piece! So if you remove 4 brand new hard inquiries, that’s a potential increase of 20 – 60 points!
Everything else is really hard to tell. The Fair Isaac (FICO) scoring system is kind of hard to interpret.
Some items that you get removed can hurt your score more than help. Also, 1, 30 day late can lower score of up to I believe 60 points? ( I think that is what I heard)
Basically, the cleaner you can get your score, with a really good older history, the better off you will be. I don’t think the removal of a judgment will get you very many improvement points, but it sure cant hurt someone credit decision!
Let me know if you crack the code! I’m interested also!