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30 Days Late

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Daveon93
Member

30 Days Late

Hello, I recently have had a 30 day on my credit from Toyota Financial Services, I know it negatively affected my credit.

In about 8 moths I was planning on going about leasing a Lexus with a promotional lease and applying for an AmEx card.
What is the likelihood of me being approved for these things?

It's the only bad thing I have on my credit score.
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Starting Score: 650
Current Score: 650
Goal Score: 720

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Message 1 of 4
3 REPLIES 3
RobertEG
Legendary Contributor

Re: 30 Days Late

It is a minor derog.

I doubt that it will have much impact.

Message 2 of 4
Anonymous
Not applicable

Re: 30 Days Late

I agree.

 

 

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/13-FICO: EQ - 764; TU - 717; EX - 681; GOAL: 780 across the board. Gardening until further notice.

Message 3 of 4
Anonymous
Not applicable

Re: 30 Days Late

How recent is "recent"?

Message 4 of 4
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