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.
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
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
+1 60 day lates are still minor, 90 and above are major. You should try to GW them.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
