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30 and 60 Day Lates and Score

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Community Leader
Valued Contributor

Re: 30 and 60 Day Lates and Score

So for a 30, 60, 90 day lates, etc....
* as the last of the worst delinquency drops off, you will see a gain but only up to the points deducted by the next worst delinquency. If a 60 falls off and a 30 still remains you will only gain the difference in point loss between the two? If a 30 falls off and a 60 remains elsewhere, you won't gain anything, correct?
* If you have multiple of a certain delinquency, you don't gain anything until the last one falls off?
Thank you



Message 11 of 13
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Super Contributor

Re: 30 and 60 Day Lates and Score

I have 1 30 day over 5 yrs old. There were 4 total last year but they fell off. On MyFico under things negative. It has never changed from 4 to 1 30 day late or no score change alert. It goes by # of accounts. Not by # of days. I think Vantage counts them. If a single 90 day late falls off (which would be a grouped 30,60,90 day) and theres a 30 day left somewhere. You'd gain points, but the 30 day will still ding you. When its all clear. Then it will all be a big fat 0 accounts. As you can see. Its not the how many there are. Its how many accounts were late, charged off, ect. Now if your applying for a new account. The UW will see how many there are easily.

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My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 12 of 13
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Community Leader
Valued Contributor

Re: 30 and 60 Day Lates and Score

FireMedic1: Ok, that makes a lot of sense. Thank you.



Message 13 of 13
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