How much will score go up?

[ChiknNuggz]

I recenty has a total of 4 late payments removed from my report.  They were late from feb/march of 2019.  Has anyone has lates removed from their report and seen a nice score increase? How much did it increase and how long did it take?

[Bayuze]

No one knows. Are these your only lates? Whats your baseline score? Your total credit profile etc will be useful in making a best guess but in reality no one knows

[Anonymous]

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@ChiknNuggz wrote:

I recenty has a total of 4 late payments removed from my report.  They were late from feb/march of 2019.  Has anyone has lates removed from their report and seen a nice score increase? How much did it increase and how long did it take?

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@ChiknNuggz at 24 months from your most recent late, you experience Scorecard reassignment and get a score boost, typically.

If they were in February 2019 I would've expected that in February of this year. If they are deleted, you'll definitely get an additional score boost. and if they are deleted before they reach 24 months, it will be a bigger score boost.

[ChiknNuggz]

So the lates were deleted as of today 2/22/21.  My experian report is showing them gone and back to expectional payment history. So hoping for like 50 points when experian uploads the next scores.

[Anonymous]

Excellent you should see a nice score increase. Do you have Experian monitoring?

[ChiknNuggz]

Yes is pay $9.99 and its says i get daily score updates but well see. It updated this morning with the lates removed but no score change. Maybe its take a few biz days or a week to process the change. Man i hoping my score goes up a minimum of 20, hell gimme 10 points and i'd be happy lol.

[Anonymous]

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@ChiknNuggz wrote:

Yes is pay $9.99 and its says i get daily score updates but well see. It updated this morning with the lates removed but no score change. Maybe its take a few biz days or a week to process the change. Man i hoping my score goes up a minimum of 20, hell gimme 10 points and i'd be happy lol.

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@ChiknNuggz did you login before 3 AM Eastern standard time?

[ChiknNuggz]

No i check it at 8am CST...and the lates were removed but no score change. I jus checked again currenlty 2:45 CST no score change.

[Anonymous]

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@ChiknNuggz wrote:

No i check it at 8am CST...and the lates were removed but no score change. I jus checked again currenlty 2:45 CST no score change.

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@ChiknNuggz The reason I ask is they update at 3 AM Eastern time or midnight Pacific time, if you login before then sometimes that's your pull for the day it seems.

But if you pulled that late, I would've expected it to show. Possibly you'll receive an email about a score change, maybe it will reflect later today. if not, I would think it would tomorrow for sure. These were your only derogatories, correct?

[ChiknNuggz]

They were my only derogatory marks in the past 2yrs. Had a few on a car loan years ago