There is no such animal as an exact date and no way to give specific impacts.
Scoring algoritms do not have the same effect for a given item for all consumers. The algorithms vary depending upon all information in your file.
Additionally, the scoring algorithms are proprietary, and guarded as trade secrets, so precise inner workings are not publicly known.
Thirty and 60 day lates are generally considered as minor derogs, and lose signifcant effect within a couple of years, while higher levels of monthly delqinquency and any collections, charge-offs, and public records are major derogs that continue to have signiricant effect until they become excluded.
