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Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

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Regular Contributor

Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

Hi there, I just wanted to post some results for future reference.  I asked Capital One to delete two 30 day late payment events that occured 14 months ago on a now-paid off auto loan.   They approved it and sent me a confirmation letter.

 

Experian made the change to my report right away based on Capital One action, no intervention needed by me.   Transunion and Equifax both had me file a dispute along with the letter. 

 

Both my Experian and now my Transunion Fico 8 scores have gone up by 4 points as a result (each exactly 4 points).  I'm waiting on Equifax still.  My situation is that these two lates, along with one 30 day mortgage late, are the only baddies in the last few years.  Score went from high 600's on both CRA's records to just over 700 on Transunion side (706) and up to 690 on Experian.

 

I'll report back the effect on Fico mortgage scores next week when those refresh on my monthly tri-report.

 

 

 

 

Message 1 of 5
4 REPLIES 4
Moderator

Re: Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

Wow getting a GW out of Cap1 on something so new is a feat unto itself. Congrats and thanks for the info,
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 5
Senior Contributor

Re: Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

Holy Smokes! You dont see this at all. Should be stickied on top of the page for hope from Cap1. Smiley Happy Go after that last late on the mortgage since your on a roll and that will really raise your scores being the last one. Congrats!





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 at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 3 of 5
Community Leader
Mega Contributor

Re: Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

Very niceSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 5
Regular Contributor

Re: Data Point: Fico 8 Improvement by deletion of two 30 day lates from Capital One

Congrats! CapitalOne is supposed to be one of the hardest to work with for goodwill letters.  They almost NEVER approve.  You must have just sent the letter to the exact right person.  If the mortgage is also through CapitalOne, I would see about trying to send the goodwill letter to that same person (if you even know who it was).

Message 5 of 5
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