https://ficoforums.myfico.com/t5/Mortgage-Loans/One-recent-late-payment/m-p/6713610#M260673 <P>We were approved for a mortgage loan but we had one 30 day late payment a year ago that is being removed. We are also doing the azeo when our current utilization is 13% I think. &nbsp;<BR /><BR /></P><P>current score is 681 I believe. Any chance this late payment removal could get us over 700? Just trying to get some expectations if this is even possible.&nbsp;</P> Fri, 06 Oct 2023 01:27:34 GMT Nmghjg 2023-10-06T01:27:34Z https://ficoforums.myfico.com/t5/Mortgage-Loans/One-recent-late-payment/m-p/6713610#M260673 <P>We were approved for a mortgage loan but we had one 30 day late payment a year ago that is being removed. We are also doing the azeo when our current utilization is 13% I think. &nbsp;<BR /><BR /></P><P>current score is 681 I believe. Any chance this late payment removal could get us over 700? Just trying to get some expectations if this is even possible.&nbsp;</P> Fri, 06 Oct 2023 01:27:34 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/One-recent-late-payment/m-p/6713610#M260673 Nmghjg 2023-10-06T01:27:34Z https://ficoforums.myfico.com/t5/Mortgage-Loans/One-recent-late-payment/m-p/6713612#M260674 <P>It's certainly possible.&nbsp; Mortgage payment history plays a big part in your mortgage score.&nbsp; Pretty much all of us loan officers can do what is called a "What if?" simulator by removing late payments, changing balances on existing credit, etc. and see what sort of impact it'll have on credit scores.&nbsp; Since you are approved I'd ask your loan officer if they can run that simulator with the changes you are expecting.</P> Fri, 06 Oct 2023 01:32:40 GMT https://ficoforums.myfico.com/t5/Mortgage-Loans/One-recent-late-payment/m-p/6713612#M260674 ShanetheMortgageMan 2023-10-06T01:32:40Z