@clemente21 wrote:I think (and correct me if i'm wrong), 30 days will only hurt you while they're current. Once the account is brought back up to PAID status, the damage is done, except for manual reviews.
If you do get caught up that 30 day late notation will not go away and will stay for 7 years unless removed early with a GW. It could in theory hurt the entire 7 years but after about 2 years it really loses it's sting.
Hhhhmm. Are we saying the same thing? 
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".