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Starting Score: 565
It also depends on the severity of the lates. If they are only 30/60 then those are minor derogs and lose their punch after a couple years. 90+ are major derogs and will hurt quite a bit more and for longer.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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