This second calculator, How Much Is ‘Not Fixing’ My Bad Credit Default Really Costing Me, will describe in detail, the Lost Opportunity Cost of “sitting on the fence” or “waiting it out” for up to 7 years until your bad credit clears itself.
Simply input the cost of the home you want to buy, then add the date (if you’re not sure, take a guess) your default should automatically be removed from your credit rating. (Normally between 5 to 7 years after it was listed on your credit rating)
This calculator will then estimate the potential lost opportunity cost of waiting vs if you take action now.
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