@dman23 wrote:
I have an account with a 60 day late and 90 day late in August and September of 2008. Never went to collections and subsequently paid in full. Looking at a nice bump in my Fico Scores once these lates are off in the next few months. Based on my research I expect a nice bump in score.
I will post a before and after score when the time comes.
Feel free to speculate on my score increase, if any. Of course, this is based on everything else staying the same in my credit profile., and it will.
UPDATE:
On a hunch I ordered my Experian free annual credit report. Just had a feeling. My feeling was right as I noticed my account with the 60 and 90 day lates has aged and the account is now a positive tradeline. I shot over to myfico to get my scores and my scores popped 29 points. TU and EQU 766 and EXP 763. What a nice surprise. Now I have just one negative account remaining with 3 30 day lates to age off in November 2015 and March, June of 2016. Less than a year and I'll have a clean report.
I owe a lot of gratitude to the people on these message boards from whom I've learned immensely. Thank you.
myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842
