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Valued Member
chrissy122g
Posts: 29
Registered: ‎05-05-2007
0

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.

Senior Contributor
fishbjc
Posts: 3,377
Registered: ‎11-30-2007
0

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. 

Senior Contributor
DaBears
Posts: 3,930
Registered: ‎10-26-2012
0

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

Established Contributor
ezdoesit
Posts: 983
Registered: ‎03-16-2013
0

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

+2

Valued Member
chrissy122g
Posts: 29
Registered: ‎05-05-2007
0

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

 What does this mean?

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

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.

Valued Member
chrissy122g
Posts: 29
Registered: ‎05-05-2007
0

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

 Yes there are 3 total...

 12/09...01/10....03/10

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

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.

Valued Member
chrissy122g
Posts: 29
Registered: ‎05-05-2007
0

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

 Wonder if I should try a PFD?

 

Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

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


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