Experian DP Fico 08 Last late payment fell off

[CreditCuriosity]

Just a DP.. My others two bureaus have been clean for a bit anywhere from 3-5 months now being TU/EQ.. Anyways there was a nasty 150+ day student loan that was lingering on my Experian and my 08 was sitting at 734 with two score able inquiries that will be older then a year end of July.  The late feel off that i noticed today and my 08 score went to 790.  Others being 09s in the 800+.  So gained 56 points from the 150 day finally being off and having a clean report.  AAOA 3+ years.  Maybe this will help someone?

I am out of purgatory finally and did my 7 years of hard work and alot of money repaid to creditors.  What a long journey to get all 3 CRAs clean!  Funny thing is I have every card i currently want/need and have had them for awhile even when i had tainted credit

[Anonymous]

Congrats on going 3B clean!

What was the age of the 150 day?  I imagine it was very aged, maybe 5+ years old?  Usually we see a score gain more to the tune of 60-80 points from an aged major falling off, so your gain was a bit on the lighter end.  Glad to see you got rid of it though for sure.

[CreditCuriosity]

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@Anonymous wrote:

Congrats on going 3B clean!

What was the age of the 150 day?  I imagine it was very aged, maybe 5+ years old?  Usually we see a score gain more to the tune of 60-80 points from an aged major falling off, so your gain was a bit on the lighter end.  Glad to see you got rid of it though for sure.

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Age was very close to 7 years it was scheduled to fall off any day which it did finally..  Also youngest account was only 2 months as well forgot to add that as well as many accounts added this year as I have a very complex profile meaning alot of new opened cards and alot of closed cards etc.  All the other stuff 1% util, mortgage 1.5 years, newer lease (5 months).  Figure new lease is supressing my 08 score still although 09s arent feeling it near as much

[NRB525]

Congrats on getting past Purgatory!

[FireMedic1]

Congrats CC. Next step 800's coming down the road.

[Anonymous]

Enjoy your new found clean credit! In my case it felt awfully good Also, as another poster mentioned ... enjoy the Fico 08 800's!

[CreditCuriosity]

Thanks all have crossed into the 800s on my other two already on and off, but will cement it in place sooner than later if i can stop applying for credit and as my lease on car starts to mature.  Really anything over 760 is kinda gravy imo as there seems to be a point where lenders are kinda scared to touch people in the higher 800's as they arent near as profitable usually..  Just my thoughts

[Remedios]

Congrats @CreditCuriosity