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Score Improvement After Delinquent Payment Erased?

New Member

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?

 

Thanks.

1 REPLY
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Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.