effect of this 30 day late.

Discussion in 'Credit Talk' started by Hideous, Aug 9, 2003.

  1. Hideous

    Hideous Member

    hi all

    on 2 of the 3 bureas i managed to get all negs off wifes report other then a bk7

    with equifax she has bk7 from 4/1998 and a sears card with 18 months history and a 30 day late 13 months ago and a score of 638.

    with Trans Union she has bk7 from 4/1998 and a sears card with 18 months history and a 30 day late 13 months ago and a score of 611.

    with Experian she has bk7 from 4/1998 and a sears card with 18 months history and a 30 day late 13 months ago, one collection from 03/2002 and a jugdement from 11/2002 and a score of 603.

    i have a goodwill lette on its way due here today i think.

    what do you all think the effect of erasing that 30 day late on the sears would be in each case here, i am looking to get a contruction loan and i am told i need a mid of 660 to be golden but if i can get atleast a 620-630 i have a shot.

    as you all know rapid rescore costs a pretty penny.

    so thats why i am asking

    thansk all
     
  2. breeze

    breeze Well-Known Member

    I don't think that one deletion would have a lot of effect with the other two more recent derogs on there. Sorry.
     
  3. Hideous

    Hideous Member

    hmm i am not asking about 1 dletion i am saying if someone has only a bk7 and a sears card 18 months history with 1 late 13 months ago what effect would getting rid of that late have on her score ?
     

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