Trying to get over that 620 hump....30 day late!

[irish_girl]

I've been working on my credit for over a year now and am wanting to buy a home within the next few months. I have a car loan, which shows a 30 day late for December (bank error, really). Chase has agreed to delete and has sent me a letter saying that they've notified the CRAs that there are no delinquincies. I'm still waiting for it to show up on my reports. The letter from Chase is dated 2/2/09. I'm hoping it will post sometime within the next couple weeks. My current scores are at TU 606 & 560 EQ, don't know EX, hoping that 606 is my middle number. My question is, do you think that I can get enough points with that recent 30 day late removed to get me over the 620 hurdle? I have no other recent lates on my report, the last ones are from 2002 from a repo car loan. I've gotten all of my ccs down to below 5% util except for Cap One CO from 2001 that is killing my util on EQ. It's been deleted off of TU and anxiously awaiting it's remvoal from the other two. I've got a clean report for the past 24 months. Any ideas...guesses?

Thanks for all your help. This site is amazing!

[haulingthescoreup]

I lost 50 points when a 30 day late hit. And I also had an older serious derog (a 90-day.)

I think there's a good chance that once the recent delinquency is removed, you should see a good bump. I'm certainly not saying that you'll get 50 points, but that's an example of how devastating a brand-new late can be.

Good luck!

[marty56]

If you have multiple CCs reporting a balance I would PIF all but one and let it report a balance of 9% or less.

[RobertEG]

My estimate would be around 20 pts minimum.

They dont report daily, they report monthly, so it may be another month, depending upon their CRA reproting date.

[irish_girl]

30 day late was deleted from my report, and bumped up to 680! I am so excited.

Thanks to everyone for your words of wisdom...once again.

[luvs2barre]

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@irish_girl wrote:

30 day late was deleted from my report, and bumped up to 680! I am so excited.

Thanks to everyone for your words of wisdom...once again.

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WOO-HOO!!! Congrats!

[Junejer]

Nice bump. Congrats.

[PayingTheBills]

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@irish_girl wrote:

30 day late was deleted from my report, and bumped up to 680! I am so excited.

Thanks to everyone for your words of wisdom...once again.

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Which score? Your EQ FICO? From 560???  If so, CONGRATS!

[irish_girl]

That's my TU score, up from 604. My EQ is 600 (hoping to get to 620 within 30 days).

Thanks!