Score increase?

[Llhg71]

I just ran my TU fico score and it came back 720. There are three items hurting me. My utilization of 27% and 2 late accounts. I have paid my credit card down to 9% and the 2 late accounts will fall off after 9/2012. Can someone give me an estimate of how much my score will increase?

[pizzadude]

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@Llhg71 wrote:
I just ran my TU fico score and it came back 720. There are three items hurting me. My utilization of 27% and 2 late accounts. I have paid my credit card down to 9% and the 2 late accounts will fall off after 9/2012. Can someone give me an estimate of how much my score will increase?

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Welcome to the forums ! It's really hard to predict exactly what will happen but it will be good for your FICO score in the long run. You'll likely be "rebucketed" by FICO scoring into a clean history bucket, so your FICO score could go either up or down, but your maximum score will be higher and any points lost should be quickly regained.