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Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
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Is it worth contactin OC? GW late payments...

I have a local OC (tire store) that is showing the following late payments on a closed account of mine:

 

30 days:  Oct 2007  /  Sept 2009

 

60 days:  Nov 2007  /  Oct 2009

 

90 days:  Nov 2009

 

 

Are these impacting my score enough that asking for a deletion would bump me up or are they old enough that they really aren't hurting my score at this point? 

Fico: 701 (5/22/14) 682 (5/9/2014)
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Valued Contributor
madmann26
Posts: 1,442
Registered: ‎08-30-2012
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Re: Is it worth contactin OC? GW late payments...

These have lost most if not all of their steam by now. The only benefit would be during a manual review.

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Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
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Re: Is it worth contactin OC? GW late payments...


madmann26 wrote:
These have lost most if not all of their steam by now. The only benefit would be during a manual review.


Thanks, that was my assumption but we know what happens when one "assumes" :-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Re: Is it worth contactin OC? GW late payments...


madmann26 wrote:
These have lost most if not all of their steam by now. The only benefit would be during a manual review.

Question -  at what point do lates stop hurting your score as much...is it a year, two years, 4 years etc?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Established Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012
0

Re: Is it worth contactin OC? GW late payments...

I thought I had heard 1 yr for 30s and 3 yrs for 90s. Idk about 60s or others..

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