You will recover a bunch with the CA being removed.
It is gonna take up to 2 years to recover from that 30 day late. If they do not remove it- send them a GW letter.
How recent a late the worse the damage-
@Anonymous wrote:
My credit score was 760 and dropped to 643 due to a phone bill that went to collection and an unpaid bank account credit account loan.
I paid both and the phone company said they would remove the negative remark and i am hoping the bank will do the same.
Even if these negatives are removed, does it still hurt my score and how long would it take to raise the score due to these recent negative remarks?
Thanks in advance
RobNJ
