One late to valero December 2012. Ck says its gone. TU still shows it. The credit union I've got my eyes on is EQ puller so I feel like I've got an ace in the hole…which isnt true, it makes me like everyone else lol.
Unfortunately it has not changed. but what matters is when lenders pull my EQ eport they will see it is flawless. I have been denied for late/derogs when my score is above many other members getting the same cards. Bank of America, FBNO, u.s. Bank come to mind Approvals on the terms you want are your goals not a numeric score
Yeah be careful relying on credit karma. Mine says 100% on time payments yet I have about 14 late payments on student loans on my reports. I believe CK only bases your on time history on last two years as that is the main focus of vantage score model as I understand it.
Jeff - So I have a question. My Fico8 shows 634 for EX due mainly (in comparison to other reports with same info) to a 120 late payment showing up which eventually went into CO status. This was in 2011 do you think Vantage would show a higher score because you said they only factor in the last 2 years of payment history?
@Anonymous wrote: Jeff - So I have a question. My Fico8 shows 634 for EX due mainly (in comparison to other reports with same info) to a 120 late payment showing up which eventually went into CO status. This was in 2011 do you think Vantage would show a higher score because you said they only factor in the last 2 years of payment history?
It's hard to say for sure but most likely vantage would be higher because of this. Although even with Fico it tends to be much less of an impact when it's that old, although it does consider it a major derog.
