12-14-2012 05:55 PM
12-14-2012 06:08 PM
It's a little unclear what you still have reporting, it may be easier if you copy+paste or just list them in bullet format. As for the lates, 90+ are major derogs. You will have those affecting you for the full 7 years, you'll want to attempt a GW on them. With 90s come 30s and 60s, so at least those will age slightly at 1yr, and nearly all the way at 2 yr. The UTIL from 100 to 0 is going to be a huge relief, and your score should jump from that.
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12-14-2012 06:12 PM
12-14-2012 07:03 PM
Have you used the score simulator as that may give you an idea?
But typically negatives have the biggest sting during the first 2 years and then it subsides. It's kind of hard to determine what your scores might look like a year from now, however if you keep paying on time, don't incur anymore baddies, and keep your utilization down (less than 10%) then I can't see anything but your scores increasing. How significant of an increase is a shot in the dark.
Something else too is try to get CLI's with a sp....that always helps.