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Points possible?

Auto Loans for ANY Credit Situation. Immediate Response.
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New Contributor

Points possible?

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.
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New Contributor

Re: Points possible?

I forgot to state that the CA is not paid. It is for cable equipment I returned, but, ATT states I didn't.
Message 2 of 5
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Moderator

Re: Points possible?

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

"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 3 of 5
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New Contributor

Re: Points possible?

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

Re: Points possible?


@Toni1 wrote:
Thank you for your reply. When does lates stop affecting your score? They are two years old.

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.

"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

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