New Member
Posts: 2
Registered: ‎10-16-2012

Score Improvement After Delinquent Payment Erased?

I have an Equifax score of 733.  The only payment blemish I have is a 30-day late payment on a Heloc 6.5 years ago.  In 6 months, this will disappear from my report.


All things being equal, how much of a score increase can I expect?



Posts: 12,952
Registered: ‎04-15-2011

Re: Score Improvement After Delinquent Payment Erased?

That 30 day late has lost it's sting.  You may not get anything from it dropping, or you may get a point or two.  YMMV as always.

Starting Score: 504

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!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+