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30 day late scoring question

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Meanmchine
Super Contributor

30 day late scoring question

Hiyaz all

 

I have a friend who is about to go 30 days late on his auto lease.  His current Fico8 scores are in the 650 range.  He also had another 30 day late about 15 months ago on a Cap1 card

 

Question is roughly how many points is he looking at losing.

Thanks

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
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2 REPLIES 2
Revelate
Moderator Emeritus

Re: 30 day late scoring question

Probably not much but some unless there's a breakpoint between 1 year and 15 months for recent late.

 

I didn't have great score tracking for Transunion when I tacked a second 30D on my file but according to BOFA I was still at a 779 in April (when it landed in March) but the 60D day late was the big score drop from 779 to 736 but I think I had some other things going on at the time or their FICO tracking is offset by a month or something as I took another drop the following month according to their record.

 

 




        
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Aspireto850
Established Contributor

Re: 30 day late scoring question

OP, every case is different but I had 2 30d (erroneously) hit my report and each time it cost 42 and 31 points respectively! 😡








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