Last late payment was 12-2006. My uti has stayed pretty much the same from the time the collection appeared until now (current report as of today). I will say that due to payments made this month My uti will drop 30% once all updates are made. No inquires, no new accounts or any other thing that may affect my score has occured.
Message Edited by Fancyron on 01-11-2008 04:59 PM