Points possible?

[Anonymous]

Hi All. I have a CA that is due to fall off later this year. I am considering asking for an EE in a couple months. This is my only CA. I also have 3 late auto payments from 2016 with Capital One. I would try to GW them, but, I've read CapOne will deny. My question...will my score increase when this CA is removed. I know no one can say for certain, but, any input is appreciated. I am trying to get my score above 700. Thanks all.

[Anonymous]

I forgot to state that the CA is not paid. It is for cable equipment I returned, but, ATT states I didn't.

[gdale6]

If those lates are not greater than 30 days then you are liable to see an increase in Fico

[Anonymous]

Thank you for your reply. When does lates stop affecting your score? They are two years old.

[gdale6]

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@Anonymous wrote:
Thank you for your reply. When does lates stop affecting your score? They are two years old.

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30 days typically affect for 2 yrs but in some instances can affect longer. Anything over 30 will cost points until they are gone, costing less as time goes by.