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my score

Frequent Contributor

my score

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?
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


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3 REPLIES
Valued Contributor

Re: my score

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.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 2 of 4
Frequent Contributor

Re: my score

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
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 4
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Valued Contributor

Re: my score

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.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 4 of 4