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Auto loan PIF and closed in 2009. 4 30 day lates 12/2008 - 3/2009 on auto loan.

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Anonymous
Not applicable

Auto loan PIF and closed in 2009. 4 30 day lates 12/2008 - 3/2009 on auto loan.

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?

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2 REPLIES 2
Anonymous
Not applicable

Re: Auto loan PIF and closed in 2009. 4 30 day lates 12/2008 - 3/2009 on auto loan.

I know the lates will start falling off in December.  I'm trying to gauge how much the lates are actually affecting my score.  

Message 2 of 3
RobertEG
Legendary Contributor

Re: Auto loan PIF and closed in 2009. 4 30 day lates 12/2008 - 3/2009 on auto loan.

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.

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