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Discussion in 'Credit Talk' started by kevin, Mar 12, 2001.
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The loan payoff may help a little, but I'm not sure about the cell phone bill. The reason is that for the next 7 years it will show that you had a 90-day late payment(unless you can talk them into removing the late). Anyway, a 90 day late on your report that is recent will hurt you for a while. As time goes on it hurts your score less and after 2 years it barely affects it at all. You'll gain a few points about every 6 months as that late pay fades away. Are you sure the bill was reported to the CRA? Was it to all 3 or just one CRA?
the cell phone bill was reported to experian (595 score) and to equifax (607). it was not reported to tu (666)
Historically, and with the exact same info at each bureau, your FICO (Experian) is always lower than your Beacon (Equifax), which is usually always lower than your Emperica (TU).