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Final 30 day late fall off impact on FICO

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jetsfan2013
Frequent Contributor

Final 30 day late fall off impact on FICO

I have one final 30 day late from years ago scheduled to fall off my report in December. 

How would zero lates ultimately impact my score?

Ch 13 Filed - October 2023
Last Payment - September 2028
Discharge - November 2028?
FICO 8 Scores as of May 2024
EQ 650 EX 625 TU 613
Message 1 of 5
4 REPLIES 4
SouthJamaica
Mega Contributor

Re: Final 30 day late fall off impact on FICO


@jetsfan2013 wrote:

I have one final 30 day late from years ago scheduled to fall off my report in December. 

How would zero lates ultimately impact my score?


When it happens, you tell us.


Total revolving limits 657200 (536700 reporting) FICO 8: EQ 712 TU 710 EX 708

Message 2 of 5
RSX
Valued Contributor

Re: Final 30 day late fall off impact on FICO

i think the majority of your points hit is over - BUT - you will drop the Missed Payment note on your credit reports

and that may be the main change

 

i also have 2 to drop off in May 2024 - and will be thinking about 10pts or so

 

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 3 of 5
OmarGB9
Community Leader
Super Contributor

Re: Final 30 day late fall off impact on FICO

To be honest, if it's "years old," you may not see much of a score change, unfortunately. 30 day lates lose most of their sting after 2 years. 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 5
SweetCreditObsession
Valued Contributor

Re: Final 30 day late fall off impact on FICO


@jetsfan2013 wrote:

I have one final 30 day late from years ago scheduled to fall off my report in December. 

How would zero lates ultimately impact my score?


I saw a 36 point increase to my EX file. You can read my post here for details.

 

Best wishes!



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: TBA

Initial Goal: Min. 740 w/all CRAs - Met
Interim Goal: 780 w/all CRAs - Met
Current Goal(s): Min. 800 w/all CRAs
Gardening Until: ??/??/202?| Last App: 10/20/2023





Message 5 of 5
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