Lates have their own CRTP, each individual late can stay on a maximum of 7 years from the date they occurred.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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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.
@peme6040 wrote:I thought I knew a bunch about credit, but I'm learning a lot more stuff here-thanks everyone! Late payments--do you they have a SOL or are they showing forever? I'm wondering because I have some from 2008 and I was going to do a Goodwill Letter but I'm wondering if I should just wait for them to disappear.
Late payments on accounts report for 7 years then become excluded. For lates in 2008 they would drop sometime in 2015, you can do GW letters if these accounts are still open and in good standing; if its a negative closed account that hasnt been updating monthly I would just leave it alone.
