01-19-2012 03:52 PM
So I am been trying to improve my credit and was finally able to get my college to remove a 30 day late payment on a loan from April 2011. Because I don't have access to my EXP FICO score, I wanted to know if guys think my score will increase more than my FAKO score went up. I know its extremely hard to calculate, and I am probably wasting everyone's time, but I was hoping for like a 50 pt increase since 30 day lates usually cause one's scores to drop said points.
I checked my FAKO PLUS score, and it went from 669 to 682. I was kind of hoping for more points. Do you guys think that FICO will be a little more generous since payment history is extremely important? Thanks guys!!
01-19-2012 04:04 PM
With such a recent late payment being cleared, I would imagine you would get some nice points, but I don't know if it will be 50 or so.
01-19-2012 04:29 PM
Thanks! I just checked my Trans FICO score (which has the exact same information) and it went from 666 -> 693. I'm hoping my EXP score is similar. I have a lot more Inqs on EXP, however this trans score is reporting a util of 31% (incorectly factoring my AMEX), so hopefully the scores are similar. I really want to apply for the Zync next week.