Valued Contributor
GregB
Posts: 1,670
Registered: ‎05-24-2007
Re: 1 4 year old 30 day late- opinions?

The general wisdom is that a single 30-day that old has virtually no impact for most people, at least for those with scores below 700.

 

I did notice that a single 30-day that was about to fall off kept me in the 750 range.

 

I have to guess that you are far better off leaving it alone. I am not familiar with BK but if it falls off then the one loan filling in the time would look much better to lenders.