FICO effect of deleting 3 x 30

Discussion in 'Credit Talk' started by incognito, Mar 30, 2001.

  1. incognito

    incognito Guest

    Hi folks..

    quick question..

    anyone know the possible effect to my fico for removing 3 30 day late payments on a mortgage account from late 1998?

    My score was 639 with lates on there, and I have 2 judgments from 95, and a bk filing in 92...

    I realize that no one knows exactly how many points, but if you've been in a similar situation and are aware of the potential change, that info would be helpful.

  2. roni

    roni Well-Known Member

    Re: FICO effect of deleting 3

    you will have a fico of 660 upon deletion.....

  3. AnnMarie

    AnnMarie Well-Known Member


    What are you basing that on? I just had removed a settled CC from 9/99 and a collection account from 96 (?)
    I wonder if it's a percentage (was a 670)or an actual number.
    Hmmm. I'll find out for sure Monday
  4. FatJake

    FatJake Guest

    Re: FICO effect of deleting 3

    Not trying to be funny because I have a bankruptcy too but how do you have a Bankruptcy in 1992 and Judgements in 1995? They were not dismissed? If they are new accounts why would you dare go back delinquent?

    Sorry if that sounded harsh but I know that Bankruptcy gives you a fresh start and a whole lot more new saveable/spendable cash.
  5. incognito

    incognito Guest

    Re: FICO effect of deleting 3


    Its called devastating medical problems without insurance and has nothing to do with what was or was not included in bk..

    They were paid, however...

    Thanks to the others responding with their thoughts...

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