A 60 day late being updated to a 30 day late ??

[Joeyzoom208]

So I had quite a few late with Wells Fargo student loans in 2013 -- last one was in August of 2013, reporting as a 60 day late (the rest were all 30 day late, about 5 of them prior to 8/13) ... they called me today and said they found an error that I was intact only 30 days late, and are changing the 60 to a 30 today electronically. This is my only account with late, and I have one collection left from 2009 Im disputing for immediate removal (medical) ... will a change from 60 to 30 day see any kind of score jump ? I am told a 60 day late is much worse than a 30 day late, or at least somewhat.

My current scores FICO 8 are around 636! up from 580 in july !

 

Weigh in credit experts! Will this change do anything for my score, even though this was over 2 years ago? Is it even affecting my score at all anymore ? Thank you all in advance ! :-)

[mendelssohn]

You may see a slight bump, but with other late payments and a collection reporting, don't expect much.

 

It's impossible for anyone to even estimate how many points you may gain.

[VintageWillow]

I think you are also focusing on the small score changes too intently. Clean up the reports then look at the scores. Scores are a nice snapshot in time, but no lender looks as scores alone.

[AnnMichele]

60 days late is worse than 30 days late; However, having any late payments will continue to hold down your score. I doubt that you'll see too much of an improvement.

 

It's still good news though.