Rebuilding Your Credit

[awdsmama]

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? 

[madmann26]

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

[awdsmama]

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madmann26 wrote:
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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Thanks, that was my assumption but we know what happens when one "assumes" :-)

[awdsmama]

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madmann26 wrote:
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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Question -  at what point do lates stop hurting your score as much...is it a year, two years, 4 years etc?

[KevinBlock55]

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