topic Re: 2 / 30 day lates five years ago in General Credit Topics

2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 04:15:01 GMT

i just had two 30 day lates removed from my credit reort yesterday. they were 5 years old. i have no other bad remarks on my credit report. will i see a increase in my score and if so how much. my score is now 714 equifax. thanks.

Re: 2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 04:24:44 GMT

Hi acguy! Welcome to the FICO Forums!

I wouldn't bank on much (if any) rise as a result of the removal of those lates. The pain from those old negs would have greatly diminished by now, hardly hurting you at all. Still, I hope you something in the way of a point boost. Be sure to let us know!

GREAT JOB on getting your report blemish free!

Re: 2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 07:14:57 GMT

You will see a lot more bounce if the lates are on two different accounts than if they are on one. If both are on one account the uptick will be pretty small.

Re: 2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 20:40:29 GMT

just checked my score today and it is now 731 equifax. it may be small but ill take it.

Re: 2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 21:06:21 GMT

+17 points is very good! Being over 730 is great.

Nice job!

Re: 2 / 30 day lates five years ago

Anonymous — Sun, 23 Aug 2009 21:25:01 GMT

Congrats! Have you joined the 700 club already?