How much Lates count in score

[Wantgdcrd]

I have been working with EQ regarding BOA all of sudden showing  2 lates (9-2010,  4-2012 ) on a CO account that was incl in Bkptcy in 2009.   I noticed my score had dropped from 699 to 675 so I looked further to find these lates.   I disputed several times and called BOA and Eq to finally get it removed yesterday.  My score jumped to 698.

I keep my cc at 10%, so only change on the two reports was 2 lates.  Hard to believe it lowers your score that much.  Just wanted to share.  

[jcstarkey8826]

Yes, I would give anything to have my lates removed on a student loan. Ive had the student loan for 7 years now, and I have only been late two different periods, but those two different times were for 3 consecutive months, but they dont report any 30 day lates for some reason. Goes right to 60 90 120, then a year later another 60 90 120.

KILLING MY SCORE haha, but I'll keep GWing

[pizzadude]

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@Wantgdcrd wrote:

I have been working with EQ regarding BOA all of sudden showing  2 lates (9-2010,  4-2012 ) on a CO account that was incl in Bkptcy in 2009.   I noticed my score had dropped from 699 to 675 so I looked further to find these lates.   I disputed several times and called BOA and Eq to finally get it removed yesterday.  My score jumped to 698.

I keep my cc at 10%, so only change on the two reports was 2 lates.  Hard to believe it lowers your score that much.  Just wanted to share.  

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Payment history is a significant component of your FICO score, so late payments can certainly ding your score.   How bad were the 2 lates, i.e. 30 day, 60 day....etc.. ?

[Duncanrr]

I have 2 accounts with lates. Sallie Mae 2x 90 says and my cap1 auto (which is a mess). Based on my research they are driving my scores down at least 100 pts.

[Wantgdcrd]

It did not show 30,60 ,90 days late,  It just showed acct history and status code L chargeoff for 9/2010 and 4/2012.  My last pmt  Aug 2006.  I filed Bkptcy Jan 2009. 

What is weird is when I disputed in May, the report showed all the 24 lates back to 2006 changed to OK with the 2 lates only showing.    Now all the history is totally gone.  

[Wantgdcrd]

I looked on the credit rport and It was showing as 2  90 day lates.   So maybe that is why my score jumped up when deleted.