Late payments falling off

Anonymous · ‎03-09-2021

After what seems like forever and four years of credit building my late payments are finally starting to fall off. Car loan with a 30d late on 6/2014. Comenity express store card with a string 30, 60, 90, 120, 120, 120 on 7/2014 - 12/2014. Card was brought current then shows no payment history from 5/2015 - 5/2016 logged in and got a cli and shows payment history till closed 4/2018.

EQ: Fico 8 755 only the 30d car late was showing. Dropped off 3 months early and Fico 8 jumped 40 points to 795.

EX: Fico 8 725 both accounts showing lates.

TU: Fico 8 726 both accounts showing lates.

Anonymous · ‎03-09-2021

Sweet, it sounds like by the end of the year at the latest you'll be 100% clean. Hopefully you can get early exclusion on some of those 120s and perhaps be clean across the board by June.

SouthJamaica · ‎03-09-2021

@Anonymous wrote:
After what seems like forever and four years of credit building my late payments are finally starting to fall off. Car loan with a 30d late on 6/2014. Comenity express store card with a string 30, 60, 90, 120, 120, 120 on 7/2014 - 12/2014. Card was brought current then shows no payment history from 5/2015 - 5/2016 logged in and got a cli and shows payment history till closed 4/2018.

EQ: Fico 8 755 only the 30d car late was showing. Dropped off 3 months early and Fico 8 jumped 40 points to 795.

EX: Fico 8 725 both accounts showing lates.

TU: Fico 8 726 both accounts showing lates.

Glad to hear it. Congratulations. And thanks for the data points.