Shogun wrote30 and 60 day lates are minor derogs. They hurt bad at first, but lose most of their sting in a year, basically don't factor in after 2 years. I've hit the 800s with a total of 5- 5 year old 30 day lates.
Okay....good to know so I am on the right path. I'm hoping when I pay off Walmart and First Premier by the end of August the 0% utilization will help my score a little bit.
0% will actually drop your score. FICO doesn't like 0%. Best boost is to let all CCs report 0% except for one that reports less than 10%.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:0% will actually drop your score. FICO doesn't like 0%. Best boost is to let all CCs report 0% except for one that reports less than 10%.
Gotcha.....will do. FYI....I am following your plan from a post you posted a while ago, separate the good and bads then unpaid and paid. It really helps when you have a plan of action! Thanks!!!
Awesome, let me know if I can help in anyway and good luck!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.