Possible 30 Day Late

[OMW2_HighAcheiver]

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How hard will it hit my scores?

[Anonymous]

Depends on how damaged your credit is already, and what your scores are.

[OMW2_HighAcheiver]

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@Anonymous wrote:

Depends on how damaged your credit is already, and what your scores are.

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Here's my scores. I have 1 collecting on TU from 2012, 1 from 2009. 6 collections on EQ. Total past due debt is approximately  $5k. EX I'm not sure. They are doing "maintenance" and will be sending me an updated report.

[OMW2_HighAcheiver]

Anyone else?

[Anonymous]

Do you have any credit cards now in good standing?

[Anonymous]

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@OMW2_HighAcheiver wrote:

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@Anonymous wrote:

Depends on how damaged your credit is already, and what your scores are.

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Here's my scores. I have 1 collecting on TU from 2012, 1 from 2009. 6 collections on EQ. Total past due debt is approximately  $5k. EX I'm not sure. They are doing "maintenance" and will be sending me an updated report.

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My geuss is it will ding you some, but not a huge amount, but you'll see a signifignt impact that will lessen as it hits 12 months, then more as it hits 24 months. Could be a handful of points up to 25-30 points, impossible to say for sure. A clean file can be hit for 100 to 150 points for a single 30 day late. A lot depends on whether any of those collections are being updated monthly or not.

[OMW2_HighAcheiver]

Thank you Norman. Yes donny, I have 5 cards reporting positively.

[Anonymous]

Highacheiver..I have 2 charge offs on all three..I have 3 collections on EX..8 on TU and 2 on EQ..no lates...I have had 4 medical out of the 8 so far deleted this week by TU..I have no knowledge of them..it's discouraging sometimes getting through it all.

[OMW2_HighAcheiver]

Yes donny it is. It takes time. I'm weaning myself off this site ONLY because seeing others success is often disheartening. I want to report success stories too. I have my plan. I'm sticking to it and soon I'll be reporting those steady high achievement scores. It's been a long hard road. Now is my time no matter how I have to get there, I'm GOING to get there. As will you...

Focused

[Anonymous]

Don't go anywhere highacheiver...I feel the same way most days..I am even scared Chase will change their mind and close my account even though I keep what I have at low uti. I see the soft pulling and spying on me...but I'm trying and doing the best I can...don't go anywhere, we are not the only two...stay and learn!!