Hello all,
I have a few quick questions.
Unfortunately, I have a recent late applied this AM because of a mistake with the posting of a payment. As a result, I've lost 60 points (723 to 660). The FICO simulator says if all things stay the same, my score could be over 700 in 3 months without an additional late.
I'm going to attempt a goodwill with the creditor but my questions are as follows:
How accurate is the simulator in everyone's opinion?
What are some of the personal experiences people have with regaining points following a recent late. Can you really expect a 20-40 pt gain in 3 months if all things are current?
THANKS!
