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That late is over 2 years old which means it's not affecting the score anymore. It will stay on adding to AAoA for 10 years from the date it was closed. I agree with you, just let it sit there.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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