Established Member
Posts: 10
Registered: ‎03-19-2007
FICO score dropped 40 points
My score dropped from 662 to 622 after I opened 3 new accounts between October - Decemeber 2006 and one of them I missed the 1st payment just as an oversight due to illness this January.  Since then I have paid off 40% off a $500 balance on that account.  Can I ask the creditor to remove the late charge from my credit report ? The rest I have been paying on time and much more then the minimum.   Also, I have been eradacting the balances of old unpaid accounts.  Which I have one left which will be paid off by the end of April.  I have been working very hard to increase my scores since 10/2005 and went from 584 to 662 and now this.