Stuck at same score for over 3 months

[DaYooper]

I need to ask the experts at what might be holding me back. I have been at 784 (EX8) since Feb. 21st. The only negative is one 30-day late from February 2019 (slightly over two years). According to the 30-day lates vs time graph, (posted in another thread), it should only ding me around 30 points. My NFCU-supplied FICO9 is 826. I feel my EX8 should be at 800 by now. DPs to follow:

• Total Debt: $218K
• CC Utilization: $406 / $112,300 (0.3%)
• CC balance 1: $255 / $5800 (4.3%)
• CC balance 2: $151 / $18000 (0.8%)
• Five CCs with $0 balance
• Mortgage: $192K balance out of $235K
• Home Equity Loan: $19K out of $21K
• Student Loans: $6100 balance out of $11K
• Collections: none
• DTI: 19%
• AAoA: 8yr 3mo
• AoOA: 13yr 11mo
• AoYA: going on 2mo
• Credit Mix: Exceptional
• HP Inquiries: 0
• Two NFCU credit cards issued this year (Jan and April)

Besides the 30-day late, what else is preventing the score from going higher?

Thank you for your time. Off to bed, and will check this sometime tomorrow.

[AllZero]

Who is the 30 day delinquency from? Have you tried writing GW Good Will letters?

[babygirl1256]

@DaYooper I'm certainly not the expert -and- have been following these great minds (and I have learned so much) . . . I'm certain one of them will be able to answer your question and/or provide guidance.

@M_Smart007 , @Anonymous , @AllZero . . . Thanks all.

[Slabenstein]

Two things about your profile that aren't optimal for FICO8 are AoYRA < 1 year and balance-to-loan ratio > 9.4%, but neither of those are metrics you can really do anything about right now.  I do want to say that a single 30D holds down score pretty severely on a profile with otherwise perfect payment history, and I suspect that, even after 2 years, it's costing you more than 30 points.  One thing to keep in mind w/ graphs, charts, etc. like the one you're referencing is that they can be great tools for understanding how FICO works in general but that the exact score impacts for any particular person are going to be very profile-dependant.

[Jnbmom]

With that 30 day late reporting I don't see your scores going up much at all at this point . That's holding it down 

You can try a GW campaign but not much else .

[DaYooper]

---

@AllZero wrote:

Who is the 30 day delinquency from? Have you tried writing GW Good Will letters?

---

The 30-day is Home Depot. I think I read somewhere they are not too receptive to GW letters. I remember it was a boneheaded move - I set the bill aside and it got buried instead of putting it in my bills stack, and I forgot about it.

[babygirl1256]

@DaYooper Nothing beats a failute but a try . . . you can't lose anything . . . try reaching out to the Executive Office. Wishing you success in getting the 30-day late removed.

[AllZero]

---

@DaYooper wrote:

I feel my EX8 should be at 800 by now. 

---

It's possible to achieve FICO 8s 800 with the 30 day delinquency. You just need more time to pass.

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Achieved-800-FICO-with-30-day-late-repor...

[DaYooper]

Thanks for all the infomation and refereneces. Maybe I'll get a suprise when the 30-day passes 3 years and 4 years.