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DLA over 3 years ago...how much is it affecting my score

Valued Member

DLA over 3 years ago...how much is it affecting my score

 I have some old accounts ( Charge off)  that DLA is 3 years or more....how much is this affecting my score now? I have no way of figuring it out.

Message 1 of 12
11 REPLIES
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Senior Contributor

Re: DLA over 3 years ago...how much is it affecting my score

charge offs really affect you for 7 years, but lessen over time. 

Message 2 of 12
Senior Contributor

Re: DLA over 3 years ago...how much is it affecting my score

Message 3 of 12
Valued Contributor

Re: DLA over 3 years ago...how much is it affecting my score

+2

Message 4 of 12
Valued Member

Re: DLA over 3 years ago...how much is it affecting my score

 What does this mean?

Message 5 of 12
Epic Contributor

Re: DLA over 3 years ago...how much is it affecting my score

It means they agree with the above poster.

 

Do you know what the DoFD of those accounts are?  The DoLA really has no relevance.

Message 6 of 12
Valued Member

Re: DLA over 3 years ago...how much is it affecting my score

 Yes there are 3 total...

 12/09...01/10....03/10

Message 7 of 12
Epic Contributor

Re: DLA over 3 years ago...how much is it affecting my score

If the DoFD is 2009, it isn't hurting as much.  The 2 from 2010 are heavily impacting your score.

Message 8 of 12
Valued Member

Re: DLA over 3 years ago...how much is it affecting my score

 Wonder if I should try a PFD?

 

Message 9 of 12
Epic Contributor

Re: DLA over 3 years ago...how much is it affecting my score

Message 10 of 12