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Holy **** Batman!

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Wrigley2172
Frequent Contributor

Holy **** Batman!

Wanted to let everyone know that the late payment I disputed was just removed from EX! The removal plus updated CL from an increase boosted my score 45 feckin points! Im now up to an 808!!
Affinity Cash Rewards: 15,000
Amex BCP: 30,000
Amex Platinum
BCU Cash Rewards: 18,000
Discover it: 14,700
TJX Mastercard: 2,500
Venmo: 10,000
>>23k student loan-payed off
Ficos 8's ~790
Inq: EX:1 EQ:1 TU:1
Message 1 of 20
19 REPLIES 19
Streetervillelady
Frequent Contributor

Re: Holy **** Batman!


@Wrigley2172 wrote:
Wanted to let everyone know that the late payment I disputed was just removed from EX! The removal plus updated CL from an increase boosted my score 45 feckin points! Im now up to an 808!!

Congratulations!

Boom!.gif




Message 2 of 20
MakingProgress
Senior Contributor

Re: Holy **** Batman!


@Wrigley2172 wrote:
Wanted to let everyone know that the late payment I disputed was just removed from EX! The removal plus updated CL from an increase boosted my score 45 feckin points! Im now up to an 808!!

Congrats

FICO 8 Starting Score

Current Scores


Garden Goal is All Reports Clean – Achieved 11/26/20
Message 3 of 20
Remedios
Credit Mentor

Re: Holy **** Batman!


@Wrigley2172 wrote:
Wanted to let everyone know that the late payment I disputed was just removed from EX! The removal plus updated CL from an increase boosted my score 45 feckin points! Im now up to an 808!!

 

You should try that Amex prequal again now that  late is gone

 

Congrats! 

Message 4 of 20
Anonymous
Not applicable

Re: Holy **** Batman!

Congrats!!!
Message 5 of 20
simplynoir
Community Leader
Mega Contributor

Re: Holy **** Batman!

Congrats there!

Message 6 of 20
Anonymous
Not applicable

Re: Holy **** Batman!

That's a nice boost!  Congrats and enjoy!

Message 7 of 20
Anonymous
Not applicable

Re: Holy **** Batman!


@Wrigley2172 wrote:
Wanted to let everyone know that the late payment I disputed was just removed from EX! The removal plus updated CL from an increase boosted my score 45 feckin points! Im now up to an 808!!

Nice!  No doubt this was your only late payment as evidenced by that score increase.

 

My two main questions though for data point purposes here are 1 - What was the severity of the late payment?  And 2 - What was the age of the late payment?  Those 2 factors combined can span a huge range of points, say 25-100+ depending on what they are which is why I ask.

Message 8 of 20
calyx
Super Contributor

Re: Holy **** Batman!

Congrats on the score improvement!

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 9 of 20
Wrigley2172
Frequent Contributor

Re: Holy **** Batman!

It was a 30 day late reported by Discover in Nov 2016. called to see if I could get it removed early, Disco supervisor said no late was reported and opened dispute. Called last week and another Disco supervisor said late was confirmed and dispute wouldnt go my way so not sure how it got removed but I will most certainly take it
Account is now 2 years and 9 months old. Its my only CC
Affinity Cash Rewards: 15,000
Amex BCP: 30,000
Amex Platinum
BCU Cash Rewards: 18,000
Discover it: 14,700
TJX Mastercard: 2,500
Venmo: 10,000
>>23k student loan-payed off
Ficos 8's ~790
Inq: EX:1 EQ:1 TU:1
Message 10 of 20
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