Deleted Collection Data Point

[refereeguy1390]

I had one collection on my profile for a defaulted car loan that I paid off and the trade line was auto-deleted.  It also coincided with my most recent late hitting 12 months (I think).  Scores are FICO8.

TU: 637 -> 708 (+71)

EQ: 635 -> 692 (+57)

EX: 644 -> 694 (+50)

I'm thrilled to have crossed the 700 club for the first time since who knows when!  Thanks to all of you for the information over the years.

[pizzadude]

Congrats on the FICO score boost !  Was your late payment only a single 30 day late ?

[refereeguy1390]

The one from 12 months ago was a 60 day.

[pizzadude]

Okay that's good, if your worst late is only 60 days ( as opposed to 90 or worst ) then you should continue to claw back more points over time