u/Advanced_Wear8452

A couple months ago I accidentally missed a payment due to fraud on my account that caused insufficient funds. I was at an 825 score, the 30 day late payment pushed me down to 670. It’s been two months & im still only back at a 718. I don’t have any debt to “pay off” no collections to “write off”. I tried two good will letters & both have been denied.

I see people here with far worst things on their credit scores who are above a a 730 which I find fascinating. Given that I don’t have anything else bad that I can try & remove from my report, when can I expect to be back in the 800s? Thank you.