OK so I was late...

[Anonymous]

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. 

[Jutz]

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.

[Jutz]

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

[jandj80]

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. 

[Shogun]

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

[Anonymous]

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?