topic Re: How many points can I expect if "lates" are removed? in Understanding FICO® Scoring

How many points can I expect if "lates" are removed?

Anonymous — Tue, 11 Sep 2007 16:41:26 GMT

I show 2 lates on my report for Macy's CC from 2006. Yesterday I sent them a GW. Should they remove them, how many points can I expect to increase in my fico score. Those are the only 2 baddies I can "fix" immediately. Would those being remove affect my score at all? Please say yes!!

EQ702

TU713

EX 746

I'm trying to get my EQ to 720!

Re: How many points can I expect if "lates" are removed?

Anonymous — Wed, 12 Sep 2007 08:42:33 GMT

I had a 30, 60, 90 day late remove from July of 06. EQ score went from 741 to 786.

Message Edited by Rorer_714 on 09-12-2007 01:42 AM

Re: How many points can I expect if "lates" are removed?

Tuscani — Wed, 12 Sep 2007 11:31:34 GMT

No one can say for sure. The important thing is that the lates are gone.

Re: How many points can I expect if "lates" are removed?

Anonymous — Wed, 12 Sep 2007 18:16:03 GMT

Rorer_714 wrote:
I had a 30, 60, 90 day late remove from July of 06. EQ score went from 741 to 786.

Rorer, how old were your lates?

Re: How many points can I expect if "lates" are removed?

fused — Wed, 12 Sep 2007 20:35:11 GMT

Rorer_714 wrote:

I had a 30, 60, 90 day late remove from July of 06. EQ score went from 741 to 786.

Message Edited by Rorer_714 on 09-12-2007 01:42 AM

How on earth can you have a score of 741 with this many recent lates? Smae even if you had only one late.

Message Edited by fused111 on 09-12-2007 10:35 AM

Re: How many points can I expect if "lates" are removed?

Anonymous — Wed, 12 Sep 2007 19:46:05 GMT

Am I loosing my mind, or did he edit that post???

Re: How many points can I expect if "lates" are removed?

fused — Wed, 12 Sep 2007 19:52:49 GMT

No way!!!!!!!!!

Re: How many points can I expect if "lates" are removed?

Anonymous — Wed, 12 Sep 2007 20:14:53 GMT

Ok... I'm loosing my mind, I'm going to go back to work. Why in the world would I ask how old they were if it was in his post.... It's only 1pm and I need a glass of wine.

Re: How many points can I expect if "lates" are removed?

fused — Wed, 12 Sep 2007 20:17:54 GMT

Lori344 wrote:

Ok... I'm loosing my mind, I'm going to go back to work. Why in the world would I ask how old they were if it was in his post.... It's only 1pm and I need a glass of wine.

Would you like some spam with that wine?

Re: How many points can I expect if "lates" are removed?

Anonymous — Wed, 12 Sep 2007 20:29:19 GMT

Fused, I love you, you know I do.... but I can't stand spam. We call it parts... lips, eyebrows and a$$hxxxs

Message Edited by Lori344 on 09-12-2007 01:29 PM

Re: How many points can I expect if "lates" are removed?

fused — Wed, 12 Sep 2007 20:33:39 GMT

Lori344 wrote:

Fused, I love you, you know I do.... but I can't stand spam. We call it parts... lips, eyebrows and a$$hxxxs

Message Edited by Lori344 on 09-12-2007 01:29 PM

Just like sausage and hot dogs are!

Re: How many points can I expect if "lates" are removed?

fused — Thu, 13 Sep 2007 03:54:31 GMT

Red_714:

How many lates?

Re: How many points can I expect if "lates" are removed?

Anonymous — Thu, 13 Sep 2007 07:53:26 GMT

I had one account that showed 30,60,90 days late (May,June, July of 06). How did I have a score of 741 with a recent late, you will have to ask EQ that. Here is some more info:

Oldest account - 28 years

Average age - 9 years

Tl's - 32 total, 15 closed

Message Edited by Rorer_714 on 09-13-2007 12:53 AM