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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Should I expect a score bump? 5 years post 90 day late?

I got Sallie Mae to remove my recent 90 day late from July 2011 and didnt gain a point.  I still have a late on my account from Nov 2007 for 90 days.  Can I expect to see a score bump when this 90 day late makes the 5 year mark in November?  I also have a 30 day late on another Sallie Mae account that will make 2 years old this December.  I'm also hoping for a little bump on that one when it makes 2 years old.

 

I'm going to leave these late alone as SM has worked with me on getting the recent off my CR's.  That leaves me with paid CO for Verizon wireless from July 2009 for $109 and my Cap1 mess.  Verizon completely ignored my last round of GW letters.  Time to send them another one.  Cap1 removed 1x60 day late and score actually went down a couple points.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Should I expect a score bump? 5 years post 90 day late?

Bump...any idea? I'll be there in 3 weeks.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Posts: 13,869
Registered: ‎04-15-2011
0

Re: Should I expect a score bump? 5 years post 90 day late?

Actually I'm not sure but could be a possibility.  Let us know if it happens.



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+
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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!
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