How much will my score increase????

[Anonymous]

My 3 scores are 709, 718, and 733.  I had a string of 30 day late payments starting in May 2005 and ended in July 2006.  Ive finally hit the 7 year mark.  How much could my score start to change as these start dropping off every month, now that the 7 years have finally hit?

Thanks in advance for your input.......

[llecs]

Welcome to the forums!

Where did the scores come from? I ask because newer versions of FICO treat strings of lates a little differently than the older versions.

[LS2982]

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@Anonymous wrote:

My 3 scores are 709, 718, and 733.  I had a string of 30 day late payments starting in May 2005 and ended in July 2006.  Ive finally hit the 7 year mark.  How much could my score start to change as these start dropping off every month, now that the 7 years have finally hit?

Thanks in advance for your input.......

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Welcome to the forums!!

Like llecs mentioned, could you elaborate on where you got those 3 scores?? EX FICO's have not been out for public purchase since 2009.

[Anonymous]

Freecreditscore.com is where I got them

[llecs]

Freecreditscore.com offers a non-FICO score (FAKO) called a PLUS score. I don't know how PLUS scores respond to late removals. I don't track those scores because lenders won't use them.

Per FICO scoring, versions of FICO used on myFICO will likely result in no change in score. Newer versions like TU04 for TU (used by most mortgage lenders) and any FICO08 version could return a few points if there are a string of lates. In general, though, 30 day lates stop impacting FICO after a couple of years.

[LS2982]

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@Anonymous wrote:
Freecreditscore.com is where I got them

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These are whats called FAKO scores (non-FICO scores) this is the term we use around here. The scores you purchased are PLUS scores offered by Experian. These are pretty much useless as they are not commonly used if at all by lenders. They are more for educational use.

I would recommend pulling your EQ / TU FICO reports and scores here off of this site. These are the scores you should monitor and care about as these are used by many lenders.

[Anonymous]

So are the scores I have typically lower or higher than fico?

[LS2982]

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@Anonymous wrote:
So are the scores I have typically lower or higher than fico?

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Can swing either way really. Usually the scores you have are higher than FICO's but thats not set in stone because they use the information on your CR's differently.

[Anonymous]

Hypothetically speaking, what could the answer to my question be

[llecs]

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@Anonymous wrote:
Hypothetically speaking, what could the answer to my question be

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Which question? Higher or lower than FICO? The answer is both. There are times my FICO was as much as 100 points higher than my PLUS score when compared the same day. There had been times in the past where my PLUS score was 30-40 higher than my FICO when pulled the same day.