Old auto loan with multiple lates

[hjh916]

I have an old auto loan on my report.  Loan originated 03/2007 and was paid off 05/2013.  The payment history has multiple 30 and 60 day lates and I think it's holding me back some.  My question is, can I dispute this as too old to report since the loan originated 2007, or do I have to wait 7 years from pay off date?  Thanks!

[Anonymous]

I doubt it's holding you back. The impact of late payments more than 2 years old seems to be pretty small.  Regardless, the aging out would be based on the last late.

[Anonymous]

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@Anonymous wrote:

I doubt it's holding you back. The impact of late payments more than 2 years old seems to be pretty small.  Regardless, the aging out would be based on the last late.

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Each individual monthly late will age off as it reaches 7 years. At that point the account will become 100% positive and remain on your reports until 2023. I would NOT try to get it removed in this instance.

[hjh916]

Ok thanks, I will not touch this