180 days effect?

[Anonymous]

I know it will effect my score for the whole 7 years but does anyone know the bench marks for the effect to lessen? I'm currently at 19 months, the anniversey of the first late was this month, I've already come to grips with the lower amounts being ignored entirely (30,60, etc) and only the 180+ matters.
Will I get a small bump at 2 years? 2.5 years? Not until 5 years?

[Cookie2120987]

Mine took almost 5 years to start seeing bumps and it was slowly, but after almost 5.5 years every application still says major delinquency, it's just a waiting game now

[Anonymous]

Jeez. Not a single bump otherwise? I'm talking like 5 points at 4 years lol. I know I can get my scores up to about 720 in a year or so(had ex at 691 with low uti and a few inq) but I want to get in the 750's and I feel like that a not possible.

Any idea what the highest single score you've had otherwise is? Any other derogs?