Lates

[Anonymous]

Are 60 and 30 day lates from 2007 really impacting my score?

[RobertEG]

Probably minor. 

A 30-late is a minor derog in and of itself, and at 60 months, I would guesstimate probably less than 10 pts.

Most report that 60-day lates decline to about the same impact as a 30-late after approx 2 years, so a similar situation there.

Not a hair-puller.....

[MarineVietVet]

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@RobertEG wrote:

Probably minor. 

A 30-late is a minor derog in and of itself, and at 60 months, I would guesstimate probably less than 10 pts.

Most report that 60-day lates decline to about the same impact as a 30-late after approx 2 years, so a similar situation there.

Not a hair-puller.....

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Ditto. Not a big worry.

Any other negatives besides these? All of it can add up.