Score Increase

[dman23]

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.

[Revelate]

Before making a guess, what's your AAOA / history at that point?

[NRB525]

Are the 2008 accounts still open and active?

What is your overall utilization now on all cards?

Total number of cards and credit lines?

[Anonymous]

I had 13 90 day removed and today my ex went up 23 points and eq only 9

[dman23]

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@Revelate wrote:

Before making a guess, what's your AAOA / history at that point?

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Hi Revelate. AAOA is 7 years. Oldest account opened 18 years 11 months ago. Most recent late payment 6 years ago. Currently 5 active accounts...3 credit cards, car loan, and installment loan. Credit utilization I keep around 2%.

[dman23]

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@NRB525 wrote:

Are the 2008 accounts still open and active?

What is your overall utilization now on all cards?

Total number of cards and credit lines?

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No. Paid in full and closed.

Overall utilization on my 3 credit cards is 2%.

3 cc, car loan, and installment loan.

[dman23]

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@Anonymous wrote:
I had 13 90 day removed and today my ex went up 23 points and eq only 9

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Nice. I'll take that.

[NRB525]

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@Anonymous wrote:
I had 13 90 day removed and today my ex went up 23 points and eq only 9

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Congratulations on getting them removed. The thing about piling on one type of issue, like 13 90-day lates, once you get past the first couple of them, the score hit from each additional becomes vanishingly small.

Also, are there any other remaining baddies at all, or this cleans out the last of them?

[NRB525]

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@dman23 wrote:

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@NRB525 wrote:

Are the 2008 accounts still open and active?

What is your overall utilization now on all cards?

Total number of cards and credit lines?

---

No. Paid in full and closed.

Overall utilization on my 3 credit cards is 2%.

3 cc, car loan, and installment loan.

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Well, with your 18 yr AAoA, I'm going to guess you end up in the high 700s after all the baddies drop. say 780 is my estimate. +/- for individual CR of course, but in the range of 780.

[Revelate]

My SWAG assuming pretty revolving utilization:

FICO 8 ~800

FICO 04 ~770