Anyone have a rough estimate of how much of a fico pt increase I would get for getting off an account with 5x 30 day late, 3x 60 day late, and 1x 90 day late, this account was closed nov 06? Thanks
Anyone have a rough estimate of how much of a fico pt increase I would get for getting off an account with 5x 30 day late, 3x 60 day late, and 1x 90 day late, this account was closed nov 06? Thanks
Message Edited by nfg on 10-11-200701:46 PM
When did all of the lates occur especially the 60's and the 90?
If you successfully GW all of these lates off of your CRs, I would guess and this is only a guess, at least a 100 point or more score increase. I say this because you have 3 serious delinquencies with the 2 60-day and one 90-date lates and 3 minors with the 30 day-lates all less than 2 years old.
Do you think I made it over the 600 mark just by this account alone?
If you can get the three serious derogs (60's and 90) removed I would say yes you should be over 600. Lates that are 60 or more days and less than two years old really tank scores BIG time! Even a single 30 day late less than a year-old tanks scores.
