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I wanted to ask about how much delinquencies damage your credit and how much repair finally paying them off does?
For delinquencies 30-60 days affect Fico for 2 years, 90 days or more the entire time they are on file (7-7.5 yrs), COs will also affect Fico for the entire time they report (paid or unpaid). As far as actions taken to improve ones credit how you do it will affect your Fico, there is no 1 answer fits all in this area, you need to post your situation for a better guide on how to proceed.