topic Tradeline Delted, No Change in Score in Understanding FICO® Scoring

Tradeline Delted, No Change in Score

Anonymous — Sat, 20 Jul 2013 18:38:35 GMT

Earlier this week TU deleted two tradelines that featured 25 late payments between them, but I experienced no change in my score. Both closed accounts were approximately seven years old...the late payments were as recent as Sept. 2012 and include several 60 and 90 day lates. Should I expect a scoring change in the near future?

Re: Tradeline Delted, No Change in Score

Anonymous — Sun, 21 Jul 2013 01:44:33 GMT

I would think so, yes. Were these accounts CO's?

Re: Tradeline Delted, No Change in Score

Anonymous — Sun, 21 Jul 2013 03:22:52 GMT

No, I have a payment plan with Home Depot, which was closed last year. It featured 13 straight late payments. The Aspire account had 12 late payments and had a zero balance.

Re: Tradeline Delted, No Change in Score

checkach — Sun, 21 Jul 2013 04:56:19 GMT

Are those your only lates? If you still have a significant number of lates, maybe not.

Re: Tradeline Delted, No Change in Score

Anonymous — Sun, 21 Jul 2013 12:19:42 GMT

These arne't the only lates, but they featured lates within the last two years. GECRB/Home Design reported six lates in 2011 as "No Data" and I got a 20 point boost. Not sure why 23 lates wouldn't get me another boost.