Lates

bt5418 · ‎03-29-2012

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

Starting Score: EQ ? TU 620 EX 566 (F)
Current Score: EQ 647, TU 641, EX? ??
Goal Score: 720

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RobertEG · ‎03-19-2007

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 · ‎07-14-2009

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.....

Ditto. Not a big worry.

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

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Lates

Re: Lates

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