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This is the only account that is flagged as negative on my EQ report. It is even worth it to try and have these removed?
I know the lates will start falling off in December. I'm trying to gauge how much the lates are actually affecting my score.
They are all minor, so chances are the effect will be minimal.
it is not certain whether FICO considers multiple minor derogs as being sufficient to keep your scoring in a lower scoring category of bucket.
If it had been only one minor derog, the effect would clearly be minimal.
However, since there are multiple derogs, there may be a bit more if you were bieng scored under a dirty scoring bucket.