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explain it to me like i'm an idiot... because i probably am (credit scores)
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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explain it to me like i'm an idiot... because i probably am (credit scores)
because of my divorce and a few sneaky, underhanded things my XH did, the house i owned in NJ was foreclosed on.
how is it that my credit score is "good?"
i just checked it and the number is higher than it has ever been in my entire life.
how?
the foreclosure was official in 2014. less than 2 years ago!
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Posted 5/20/16 11:32 AM  |
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Hofstra26
Love to Bake!
Member since 7/06 27915 total posts
Name:
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Re: explain it to me like i'm an idiot... because i probably am (credit scores)
Your credit depends on so many other factors too including length of credit, inquires, income to debt ratio, payment history, etc. So if all of those other factors are in good standing your score might be decent even despite the foreclosure.
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| Posted 5/20/16 2:46 PM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: explain it to me like i'm an idiot... because i probably am (credit scores)
Is it possible that your name wasn't on the mortgage? Maybe the home was in both names and the mortgage just in his. In that case it wouldn't really affect your score.
Just get a full copy of your report and see what's on there. Not just the score.
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| Posted 5/20/16 5:33 PM |
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Paramount
Sweet!
Member since 7/12 4289 total posts
Name:
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explain it to me like i'm an idiot... because i probably am (credit scores)
If your score is good dont worry about it. Even if he did shady things it may not be a reflection on YOUR score.
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| Posted 5/20/16 5:45 PM |
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