Hi everyone. I have some old lates on my CRs and am wondering how much of an impact they're having. On a paid Americredit auto loan I have 4 30-day lates from 2006 and on a paid Volkswagon Credit loan I have a few from 2003 & 2004. I sent out GW letters to both asking them to remove the lates but just wondering what kind of damage the older ones are doing.