@Im-back wrote:
Not sure if this is where this goes, but happy to announce all three scores on MyFico are now north of 830 and TUnis 850.
thismis with a four year old 30 day late payment.
cheers.
A bit confused. Are these your scores after the 4 year late was removed?
Fico penalizes for having a late payment on file for a full 7 years. Otherwise, is the account not showing up on TU or was the late removed? If the 4 year late is present, the only Fico scores that could reach 850 are some industry option scores that top out at 900.
P.S. If the late is on an AU account, that also won't hurt your Fico 8 or later model scores. It would hurt your Fico mortgage and VS 3.0, 4.0 scores.
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
