Substantial Boost after last 30-day lates GW’ed

Credit and mortgage advice Forums Consumer Credit Improve credit Substantial Boost after last 30-day lates GW’ed

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    • #229587
      davefollmer
      Participant

      My last negative account, an old Chase account, was deleted by the corporate office (thanks for the info on the GW, guys!) . And my score went from 720 to 755 on TU.* The account had two 30-day lates on it that were over two years old. They were my only late payments. It was an 11 year-old account, but I have great AAoA, so that didn’t matter. But I was SHOCKED by the point jump, especially because I was under the impression that 30-days lates didn’t matter much for scoring after two years. I guess the jump was because I now have zero negatives? Anyway FYI, for what its worth about understanding scoring…

      *

      …and thanks again to everyone here. I started this journey at 604 on TU in November of 2010.



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