http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224181#M418 <div>How Long does it take for Baddies to be ineffective?</div> Tue, 29 Apr 2008 18:24:29 GMT aimeeaab 2008-04-29T18:24:29Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224181#M418 <div>How Long does it take for Baddies to be ineffective?</div> Tue, 29 Apr 2008 18:24:29 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224181#M418 aimeeaab 2008-04-29T18:24:29Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224201#M419 <div> I hheard lates affect for only two years but I still see a red flag next to mine on my fico.  </div> Tue, 29 Apr 2008 18:36:40 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224201#M419 Jesedmotherof5 2008-04-29T18:36:40Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224207#M420 <div>7 to 7.5 years to totally go away.  They are less bad as they age.</div><div> </div><div>But everything depends on what else is on the report - if one baddie drops off and 286 remain, it won't make much difference.  :D</div><div> </div><div>When my ONLY collection fell of after 6.75 years it was worth over 50 points</div> Tue, 29 Apr 2008 18:42:17 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Lates-Disappear/m-p/224207#M420 MidnightVoice 2008-04-29T18:42:17Z