My top scores are listed in my signature: I do have a CFA and the reason code was plastered everywhere on EQ / EX (TU doesn't report the account, small mercies for my worst report).
Fact is a CFA won't hold you back from an 800+ FICO 8 score, nor will it hold you back from a 760+ mortgage trifecta.
While I do think they should be avoided unless financially necessary (finaces > FICO after all) from my data they don't make that much difference. Current scores vs. top scores in the signature line? That's a recent 30D late for comparison.
@Revelate wrote:My top scores are listed in my signature: I do have a CFA and the reason code was plastered everywhere on EQ / EX (TU doesn't report the account, small mercies for my worst report).
Fact is a CFA won't hold you back from an 800+ FICO 8 score, nor will it hold you back from a 760+ mortgage trifecta.
While I do think they should be avoided unless financially necessary (finaces > FICO after all) from my data they don't make that much difference. Current scores vs. top scores in the signature line? That's a recent 30D late for comparison.
I feel like my 30 day late is what's holding me back, but obviously it isn't. I'm still waiting for the CRA's to delete it. I think I'll contact CIG again and see if they can send another request to have it deleted. I think the only thing that's really holding my scores back now is just time. As long as I continue to pay my bills on time, I'll be fine.
How much of a hit did you initially take when the 30 day late posted?
