How much do 30 day lates affect the score

[abzze]

I got all collections/charge offs removed from my reports.

I have been trying to GW the lates but not getting anywhere.

Although I am gonna keep trying to GW, my question is how much are they hurting my score at this point.

Here are the lates:

Capital One 30 day lates:

Jan 2011, Oct 2010 and May 2010.

Local CU 30 day lates:

Sept 2009,  July 2009 and Jan 2009.

[Shogun]

30 day lates are minor derogs.  Their "sting" is fealt worst for the first 6 months.  It diminishes after a year and after 2 years, they really don't factor in anymore.

[abzze]

Thanks!

My scores are probably around 690 - 710 after removing collections.

Tofal CC TL~ 40K (more than half of it only couple months old)

Auto Loans ~40k

No mortgage.

What should I do to try and get into higher 700s?

[Shogun]

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@abzze wrote:

Thanks!

My scores are probably around 690 - 710 after removing collections.

Tofal CC TL~ 40K (more than half of it only couple months old)

Auto Loans ~40k

No mortgage.

What should I do to try and get into higher 700s?

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Garden and watch those scores grow!

[abzze]

How long do you suggest I garden?

I recently got into earning miles and points.

I do plan to garden for next 3 months. But do you suggest I garden longer?

[Shogun]

I'd at least go for 6 months.  That way it should give your scores time to grow and  you should get better CLs.

[abzze]

Do you suggest I keep up with GW'ing or is it not even worth it at this point?

[mccrcamd]

I GW'd one cap1 30 day late from 2011 about the first week of jean and they removed it for me after emailing the CEO, and it literally jumped my score mid 30 points on 2 credit agencies and low 30's on the other which I believe was TU

[Jeff007245]

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@mccrcamd wrote:

I GW'd one cap1 30 day late from 2011 about the first week of jean and they removed it for me after emailing the CEO, and it literally jumped my score mid 30 points on 2 credit agencies and low 30's on the other which I believe was TU

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Do you still have that email contact? Please PM if you do. Thanks

[abzze]

Would you please PM me the email address.

Also, when did you get the late removed and how.

Cap 1 hasn't shown any love to me so far.