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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 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" :-)
@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?