Understanding FICO® Scoring

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smiths38
Posts: 93
Registered: ‎09-29-2012

120 days late

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‎03-13-2013 09:12 PM

I just got a 120 day late deleted from TU,will this help raise my score at all?


Starting Score: 553(EQ) 572 (TU) 586(EX) (EQ Complete Advantage)
Current Score: 572
Goal Score: 640

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guiness56
Posts: 13,439
Registered: ‎01-17-2008

Re: 120 days late

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‎03-13-2013 09:16 PM

It is a major derogatory but really depends on what else is on your reports.  If there are still a lot of negatives you may see a raise but probably not comparable to what you lost when it hit.

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