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Why should they drop off in less than a year? Don't they normally hang around for 7 years?
MrSpock wrote:. I also have about 4 late payments in the last 2 years, though it looks like most of these will drop off in about 6-10 months.
MrSpock wrote:My main question is regarding two collections which I think I can get removed as the DOFD is prior to 2000. If I can get these removed, how much will my score improve by? These are both listed as serious delinquincies, so once gone, I will only have 1 serious delenquincy left on my report.
They should be counted as one each in terms of score, even if they are all there and reported.
MrSpock wrote:Finally, all of my CR's show a large number of Inquiries that were for 1 car loan and 1 mortgage loan. In both cases our our credit was shopped around by the salesperson to find us the best rate. I thought that these should only count as 1 inquiry each. Am I missing something?Thanks!
MidnightVoice wrote:Why should they drop off in less than a year? Don't they normally hang around for 7 years?
@MrSpock wrote:
@MidnightVoice wrote:Tthey drop off in less than a year? Don't they normally hang around for 7 years?On the credit reports I got here at myFico.com, the payment history only appears to go back 2 years in terms of OK vs 30/60/90 days past due... Am I mistaken in thinking these late payments will dissappear from my CR?
MrSpock wrote:My main question is regarding two collections which I think I can get removed as the DOFD is prior to 2000. If I can get these removed, how much will my score improve by?