How much are these dings hurting me?

[Anonymous]

I am working on getting qualified for a home refi to get out of my ARM.  I've paid down about $14K of CCard debt this year and had zero life.  Went thru Quicken Loans only to realize big difference between FICO & VantageScore.  So I decided to pay for a report thru Equifax ... & got another VantageScore.  Anyway

Long story short my lowest Mortgage Rating score is 612 on Equifax & 691 on Fico 8.  (721 Mortgage Rating / 712 Fico 8 on Experian).  I'm going thru my credit reports and digging into anything derogitory and I've found 3 things.

1.)  I am an Authorized User on a Chase Credit card that has a $3000 balance, a closed status & has 2 60 + 2 30 day late payments.  I didn't even realize I was an authorized user (someone added me to get extra points).  I've contacted Chase & have a confirmation letter I've been removed (didn't show up on any of the reports after 2 weeks - so I've disputed it)

2.)  I have two CenterPoint Energy accounts with a CHARGE_OFF status & a reported balance of $0.  The first is listed as opened in Dec 1st of 2008, the other Dec 29th of 2008.  The first has no payment history, the second has 7 months combined in 2013 - 2014, 2016 listed as "CO".  I was letting a friend live in a home I owned after I left - & he was supposed to transfer the gas & never did.  The other ones from 2013 / 2014 I have no idea on.

I have an account in good standing with Centerpoint on 4 properties - I spoke with them today and they said they will also remove the Charge_off status.

3.)  My last issue are 2 30 day late payments from 2012 on Citibank.  These are the only people I haven't been able to get to either verbally or in writing commit to removing the deliquinent information.  I understand these scores are dynamic but is there any way of knowing how much this is going to ding me?  If it's worth 50 points I'll put up some major effort, if it's worth 3 then I'll just let it ride.


I've really cleaned up my act this year.  But spring I should be 100% debt free aside from two rentals I own.  Each with about 50% of the property value owed.  I also have two other properties I own outright.  I'm trying to get my mortgage score lined up for a home owner refi at much lower rates on one of the multi units after I move in so I only have one payment.

[Caardvark]

It is said that 30 day lates lose most of their sting after two years. So, I suspect they are not hurting you very much. 

That said, if they were in 2012, they should be scheduled to come off your reports next year (2019). What month were the lates? You may be better off by requesting early exlusion from the CRAs.

[Meanmchine]

I would suggest 1) Getting a myfico.com 3b report. It will list all FICO score for each CRB. It will be a little pricey but worth the 1 time investment. 2) I would check the mortgage section for the score needed for the optimal mortgage rate. This way, you will have a true target to aim for

Good luck