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Regular Contributor
Posts: 187
Registered: ‎01-25-2010
0

4x30's and 2x60's pass 2 year in October

Significant or not?  I'm curious to see if this results in any score gain.

Moderator Emeritus
Posts: 16,383
Registered: ‎03-12-2007
0

Re: 4x30's and 2x60's pass 2 year in October

Any other baddies on your reports? If so, what are they and how recent?

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 187
Registered: ‎01-25-2010
0

Re: 4x30's and 2x60's pass 2 year in October

Yes, I have about 4-5 30's that are more recent but none for the last 15 months or so.   THen I have a paid 4 yr old collection and 1 unpaid 2 yr old collection I'm trying to PFD without much success.   On top of that I have 3 paid CO's paid in 1/2007 so I definitely have issues but things are fading into the past.

Frequent Contributor
Posts: 267
Registered: ‎05-15-2009
0

Re: 4x30's and 2x60's pass 2 year in October

I doubt if you will see a bump in your score.  However, when you get to the point of having 24 months of clean credit, you are much more likely to see a significant bump.

5/2009 EQ-504(FICO), TU98-567(FICO), EX- 503 (FAKO)
10/17/11 EQ-633, TU04-652, EX-681 All lender Pulls
10/17/11 TU98-678
12/21/2012 TU98-677 (39% Util)
01/21/2012 EQ - 661 (37% Util) SW Alert
Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Re: 4x30's and 2x60's pass 2 year in October

 


tombking wrote:

Significant or not?  I'm curious to see if this results in any score gain.


With what still remains on your reports I wouldn't get my hopes up but I'm a glass-half-full kind of guy so at least these will be gone forever.  Smiley Wink

 

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work


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