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You will take a ding for a new account and a ding if it reports with a balance due right off the bat, but cap 1 is down to 10.00 and new account should report so you should see something, also dont forget the new buckets we can get put into. The score simulator is like a CK score...pffff nice thing to toy with!!
Old lates dropping off have little impact on the score compared to getting a recent 30 day late removed where its still a fresh ding.
And your in the bucket with me of waiting and waiting as each month passes to add age to our cards and out Credit history!
just hope we don't kick the bucket waiting for our bumps! Congrats on yours ktl!
Thanks!! I think it had to do with getting older.. like me!! I am thinking by time I think of reaching 700 I will be sitting in the bucket with wheeels and a remote!! My cards will be really aged by then lol!