- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
paparoach, I think what's affecting you the most is that late payment. I have heard late payments can impact your scores quite a bit. If it was just the high utilization your scores would have been okay, and one inquiry won't hurt much. Now if you had 7+ inquires all at once, it would hurt. Once the late payment is not on there anymore, your scores should probably be in the 680's-700+ range, at least I would think.
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