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Score of 800 with a negative item..ie. 30 day late, 60 day late, etc.

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Tonya-E
Established Contributor

Re: Score of 800 with a negative item..ie. 30 day late, 60 day late, etc.


@gdale6 wrote:

@Tonya-E wrote:

Well I gave it one last shot with Equifax in getting that one baddie removed.  They have finally removed it.  I am waiting to see when myfico updates. I have confirmed the removal but I haven't received an alert on here yet.  I am hoping it updates quickly before my other accounts update this month. That way I can isolate the occurrence and what it does to my score if anything. I am sure it is bound to have some affect.  But it will be interesting to see exactly what happens...

 

Edit:

**I got impatient and decided to buy the equifax report....I went from 790 to 835 with just the baddie removal. So for me, it really made a huge 45 point difference!**


A large point move for a 30 day late but it can happen as you have just proven. Grats Smiley Happy


 

Thanks gdale!

The crazy part is the late was nearly 7 years old. But I will take it! That jump was in the 8 version.  It went from 755 to 774 in the 5 version. 

 

Wallet: Amex BCP-45k| Barclays Rewards MC-26.3k| Citi Thank You Preferred-27.5k| Citi Double Cash-14k| Target MC-11.5k| Walmart MC-7.5k| Chase Freedom Unlimited Signature-6k


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