Late payment question

Shogun · ‎11-05-2012

Try again. I'll try to drag up my contact when I get home from work. I'll see if I still have it stashed in the file.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

westo12 · ‎11-05-2012

I will try and try again lol. Going to start sending letters today also. If you are able to find your contact that's great, if not no worries. Thanks again for everything.

Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.

westo12 · ‎11-08-2012

Funny part is they added 6 new 30 day lates this year, but it only dropped my score 17 points. Coinciding with a mid cycle update on one of my cc's that put one card at 97%. Shouldn't this have cost me more points??

Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.

westo12 · ‎11-08-2012

I do have about 9 other open tradelines reporting paid as agreed, some going back 4 years, most recent 2 months old. Could having this much positive (and no other derogs added in the last 2 years) be what's causing this not to affect me as bad?

Chap7 discharge 07/2015
Fico 5/1/19: TR:650(73% util)
Cap1(Plat+QS) 3500+4500/Merrick 1600/Express 4100/Overstock 4900.

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