Deed-in-lieu of foreclosure is a program that allows a home to be directly transferred to the servicer of the loan. Together with short sales. score. To get a general idea of what to expect, Steve.

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A short sale is better over time as long as you don’t have a deficiency judgment for the loss that the bank took with the sale. "FICO said homeowners with short-sales and foreclosures on their records ended up with similar credit scores, assuming their scores were similar as distressed homeowners (see illustration below)."

Home Multiple, current credit cards equal higher FICO. Multiple, current credit cards equal higher FICO.. Short sales and foreclosures equally degrade FICO scores.

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FICO scores have been a mystery since they were first unveiled many years ago. Toss in today’s short sale market, and neither Houdini nor any self-respecting las vegas odds maker would try to predict what your scores may be.

According to data from RealtyTrac, short sales typically sold for nearly 10 percent less than the market price in the first quarter of 2011, whereas foreclosures sold at an average discount of 35 percent. Home buyers wanting to purchase a short sale must have patience.

Foreclosure, short sale or deed-in-lieu: 85. (FICO scores range from 300 to 850.). Sweet said credit bureaus generally slash scores equally for those three resolutions to someone losing.

Sponsor Content Group 2 has 80,662 mortgages with original LTV greater than 80% and lower than or equal to 97%. Group 1 carries a balance of $18 billion and a weighted average FICO score. short.

What does short sale, foreclosure, or deed in lieu can really do to your credit score.. In regards to a short sale, there may be some lenders who lean more positively towards a short sale over a foreclosure, still, your credit score is affected equally.

How much impact does a short sale have on FICO Scores? How about a foreclosure? Since I frequently hear these questions from clients and others, I thought I’d share new FICO research that sheds light on this very subject.The FICO study simulated various types of mortgage delinquencies on three representative credit bureau profiles of consumers scoring 680, 720 and 780, respectively.