Hello everyone,
I have searched the forums to see if I can find anyone that has reached an 800+ score with a baddie on their report. I am specifically inquiring about a 30 day late, however any baddie would work for my purpose. Is there a point in re-bucketing where to reach that score your report needs to be clean? That is my understanding. I am interested to see if anyone has gotten there with a negative item still lingering. If you have, please provide what your score is/was, what type of baddie you have, how old is the baddie, and what type of score change you experienced when the baddie fell off for good.
Thanks in advance!
@tonyaether wrote:Hello everyone,
I have searched the forums to see if I can find anyone that has reached an 800+ score with a baddie on their report. I am specifically inquiring about a 30 day late, however any baddie would work for my purpose. Is there a point in re-bucketing where to reach that score your report needs to be clean? That is my understanding. I am interested to see if anyone has gotten there with a negative item still lingering. If you have, please provide what your score is/was, what type of baddie you have, how old is the baddie, and what type of score change you experienced when the baddie fell off for good.
Thanks in advance!
I personally know of no one who achieved an 800 with a derog on file and I have not seen any posts announcing such either and that is across multi boards. I rememeber someone saying a 775 could be obtained with a BK on file (from a simulator) but I have never seen that either.
804 with a 6 year old 30 day late from Discover.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:804 with a 6 year old 30 day late from Discover.
Wow Shogun!! I have never heard of anyone getting there with a 30 day late. Was it on Equifax or all across the board? I asked this because I cannot seem to reach 800 with Equifax. It has one 30 days late that WF removed from the other 2 bureaus but not EQ. It is from 08/2008, so 6.7 years old. Everytime I use a simulator it implies that as the single factor holding me back from reaching 800. Like I can enter paying my credit card balances to zero and EQ won't budge at all. But if I enter pay bills on time for 5 months, it goes to 845. Now I know the simulators are not a true science and don't reflect what will actually happen. It just made me wonder as I have never seen anyone reach 800 with any negatives. This gives me some insight as I have now found a person that it has happened to. Maybe it's just that Equifax scoring model doesn't like me.
@gdale6 wrote:
I personally know of no one who achieved an 800 with a derog on file and I have not seen any posts announcing such either and that is across multi boards. I rememeber someone saying a 775 could be obtained with a BK on file (from a simulator) but I have never seen that either.
Same here gdale. I have never known anyone to reach it with a baddie with the exception of Shogun now!
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!**
@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 