30 day late falling off - Scoring changes on a dirty file

[randomguy1]

@Anonymous  here are the two different accounts with derogatories. Both auto loans:

[randomguy1]

Trying to get my mortgage scores up to 740.

EX FICO 2 - 730

TU FICO 4 - 728

EQ FICO 5 - Unknown at this time. Will pull in a couple of weeks

Open Accounts (followed by open date)

TD bank 11/18/2005 (AU)  (shows up on EX\TU not EQ)

Capital One 1/2019

Barclays card 8/2019

Discover 8/2019

Chase 11/2019

Auto loan 12/2019 - Paid off from 68.9% to 8.8%, reporting at the end of month. (Read this won't help much if at all, seems like limited data though).

Scorable inquiries

EX - 3 - earliest one falls of November

EQ - 4 - one falls off 7/23, two fall off end of August

TU -  5 - Two fall off end of August

I have 3 older auto loans (opened 4/2019 4/2013, 5/2010) helping my score with no negative marks. These are all closed.

Also 2 mortgages (4/2010, 4/2011). These are all closed.

Misc: 

Azeo - Yes, at under 7%

AU card last reported at zero. Reading I should probably have a sub 9% balance reporting next

[Anonymous]

Yeah paying down/off the car loan isn’t really going to help you on the mortgage scores, but could help you on version 8, but I don’t know any mortgage people using that. It’ll help your DTI for the mortgage though.

Having the balance on the AU card is for Version 8+, too, not mortgage. Thankfully authorized user cards always count there, too.

Yeah I would say you’re under the multiple delinquency penalty from that one account, but again that’s only version 8, which I now know you’re not worried about.

EQ may be lower since it doesn’t have the benefit of the older account factoring in. 😕 I can’t even tell you to wait till your youngest revolver turns 12 months to get a boost because you’re in a dirty card, so you won’t get that boost, but you WILL get your inquiry points back, so that’s something to look forward to in August, November, and December. But if you’ve only got one account reporting a balance and under 9% there’s not a lot more you can do.

I’m sorry I wish I could tell you something better or pull a trick out of my hat, but?

[randomguy1]

All your help is always appreciated. I have til the beginning of Sept to gain 12 points on my middle score, if I don't, it's not the end of the world, mortgage rates are always good.

For FICO 8, I'll be going on an app spree after the loan closes (end of Sept/Oct) so that will help with approvals hopefully! 

Thanks again!

-off to reading the Inquiry Master thread.

[Anonymous]

Well with F8, you’re good because since you’re in a dirty card, there’s no new account penalty, it’ll just be average age hits and inquiry hits. For version 8, you do you want to leave a small balance on AU card.

And after further thinking about it I don’t think it’s possible for one account to trigger the pattern penalty in version 8 because I think each account is graded by its worst, so I think it’d take three or more accounts for the penalty.

[randomguy1]

The late fell off a few days early. 

Few things changed on my Experian report:

balance on Disco went from 174 to 70. Out of 2700 credit line. Using AZEO. This was also my 12th payment that was recorded. This is not my AoYA. 

Late from 8/2013 fell off. 

Result: +1 pt FICO 8 on EX