cancel
Showing results for 
Search instead for 
Did you mean: 

OK so I was late...

Highlighted
New Member

OK so I was late...

Ok so I was late in 2010. It is on record as 30 days late. And I was late in 2009 a couple of times. Once 90 days, 2 x 60 days and a 30 day. And now I am still paying for it. I carry a zero balance on two cards. No house payment (house is paid off early mind you). And a car payment that has never been late. I know that the late payments stay on for a period and the further back in the past, the less they matter but how far back. I have never been bankrupt, I have paid all my debts but I can not move forward with my score. It is soo frustrating. I am not looking for anything to purchase of another credit card (I have two and no more) I just want to inprove my score. 

5 REPLIES
Valued Contributor

Re: OK so I was late...

Minor Derogs like 30 day lates age almost if not entirely off in 2 years time.  Major derogs will fade, but will keep you in a bucket that prevents you from breaking through a certain point.  Your 90 day late is a major derog.  If someone could chime in on 60 day lates that would be great, because I'm not sure, and I'd also like to know.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor

Re: OK so I was late...

What are your scores and where are you getting them from, by the way.  What is your average age of accounts.  3+ credit cards is generally recommended to maximize your score, and sometimes reporting less than 9% UTIL on just one card can give you a few points.  This could be completely different for you of course, YMMV

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor

Re: OK so I was late...

From what I know, 60 days are still considered minors. I would GW them and explain that this one mistake is haunting you. Keep trying. I always prefer to talk to a person rather than write letters. I called many times until I got someone to help me. Don't give up. Point out that you were a great payer after your minor mistake and that you are an ideal customer now. Don't give up. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator Emeritus

Re: OK so I was late...

+1  60 day lates are still minor, 90 and above are major.   You should try to GW them.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
New Member

Re: OK so I was late...

I finally got back on here. My transunion is 647 and my exp fico is 655.  I do not have a mortgage, my house is paid for clear and free. (I did a land contract for 10 years). I only have two open credit cards with zero of minimal balance. One car payment, a year into a 5 year auto loan? And pardon my ignorance .. what does GW mean?