Hello my dear life savers....quick question... everything on my report is paid and reporting that way....I want to apply for a mortgage at the end of August and would like to have all 3 scores to be at least 650...(my current scores are below) I am due a Cap 1 increase in July and one or two SL late payments should drop off due to the SOL by then, do you think those factors will give me the boost I need?
Thanks for the responses. 
Starting Score: 529
Oh...probably! But shouldn't the lates be removed after 7 years?
@lae_lae wrote:The CapOne increase should help your util ratio and you should see a increase but not sure how much. Regarding the SL late payments, I don't think they will drop off because the SOL is expiring. You might be confusing SOL with the DOFD.
@lae_lae wrote:Yes, the derogs should be removed 7 to 7.5 from the original date it was late, I believe that is called the DOFD. Not sure how much it helps your score since the lates were a long time ago. You will probably see an increase.
Okay..thank you! I will post again when I get the increase to document how many points I get.