So I figured out an inq dropped me 4 points. Does that mean if I allow all 7 to age off my score will go up to 700? Next month my utility will be lowered due to cli etc under 9% and a balance on 4 cards. Can I get over 700 with a 60 day late only one month old. Should be intetesting I suspect by 6 month mark when 60 day hurts less that should help?
Starting Score: 534
I highly doubt you will get over 700 next month with such a recent 60 day late on your report. It is going to take time waiting on the late to age and building good payment history on top of it. I would say in 6-12 months, but not in 1 month, no.
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No I didn't mean next month I meant by 6 momths out. I'm just surprised becausr I thought I could get over 660s with a 60 day late
I'm not sure about the max credit score you can have with a 60 day late but I know that the more trade lines that you have with positive history, the better. It may happen in 6 months but really score isn't correlated with time well, at least for me it wasn't. My score would go up when I least expected it. Wishing you the best.