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2 freakin 30 day lates 12 months ago

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Cali_Credit
Frequent Contributor

2 freakin 30 day lates 12 months ago

2 freakin 30 day lates 12 months ago affecting my fico a lot! Foremain financial and orchard ! Need help
Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
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2 REPLIES 2
guiness56
Epic Contributor

Re: 2 freakin 30 day lates 12 months ago

Were they back to back 30 day lates?

 

A one time 30 day late should only impact your score for the month it was late.  You should quickly recover from it.  If you had more than one in a close time frame it will affect your score longer.

Message 2 of 3
Cali_Credit
Frequent Contributor

Re: 2 freakin 30 day lates 12 months ago

I had 2 back to back 30 day lates on my Formain Fin. car loan in Oct/Nov 2011 due to a lost of job and i had 1 (30 day late on a Orchard bacvk card back in may 2011) i feel there still both really effeting my credit. No collections and i do have a 8 year old Bankrupcy. All other Loans and credit lines are perfect

Current Fico's: TU 797 / EQ 785 / EX 775
Wallet: US Bank Business Edge $16,000 I Chase Ink $18,500 | US Bank Cash + Visa Sig $15,000 | Amex PRG NSL | Barclay Arrival+ WMC $10,000 l Amex BCP $20,000 | PenFed Visa Sig $9,000 | DCU Plat. $10,000 | Logix $10,000 | Discover $18,900 | WalMart $10,000 | Paypal MC $15,000 | Barclay NFL $3,400 | Cap 1 Quicksilver WMC $34,500 | J C Penny $5000 | Target $2000 13 Personal & 2 Business CreditCards
Message 3 of 3
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