Score Drop of 69 points..

NRB525 · ‎04-05-2018

A late only 9 months ago is still a significant drag on your score. It not only puts the ceiling on your score, but then opens up wild swings. 69 seems really wild, but that AU card is also still suspect.

Sorry for the bad news, but closing a card with a late does not remove the late from score impact. It will age and have less effect, but for now, it’s there.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

bigred1967 · ‎08-25-2018

I am pretty sure I figured out the issue old chargeoffs were updated monthly and showing balances now because still with the original creditors. they all of the sudden decided they would update monthly as lates and show the balances. So I am sure FICO is nailing me now.

Re: Score Drop of 69 points..

Re: Score Drop of 69 points..