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I have a fico score of 650. I have some late payments but they are back in early-mid 2007. From there on out i have had none. What do lenders look more closely at? Total late payments or recent late payments(2 years)? Im curious.
recent lates are worse...
but it is all a part of the total picture.
you may be asked to write letter of explanation explaining: what happened? how did you deal with it? & what steps have you taken to prevent it from hapening again?