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30 late

Frequent Contributor

30 late

Will removing a 30 day late two months old help my score? I have other 3 others on another tl but I'd assume I'd see a few points? Or maybe not?
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1 of 3
2 REPLIES
Epic Contributor

Re: 30 late

Yes a 30 day late that young is impacting your score.  If you have 3 that young across other accounts it would be beneficial to have them removed.

Message 2 of 3
Frequent Contributor

Re: 30 late

Yes I know but it's on one account nordstrom currently closed nordstrom will allow you to reopen after 6 months as long as you pay off with 6 months ontime once reopened I will try to goodwill 2 of the 3 the oldest will be past 2 year mark at that point. Hopefully ill see a bump soon but might be a month or two due util on other cards. Ugh
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 3 of 3