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Will getting my mortgage put back on my rpts hurt my score or help

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Anonymous
Not applicable

Will getting my mortgage put back on my rpts hurt my score or help

I have been current for 2yrs, but have tradelines that show old history of late payments.
 
I recently wrote how my Mortgage was deleted from all three CRA's after I disputed the history.  Chase has already put it back on my Experian. 
 
If I have it put back on TU, and EQ will my scores go up or down??
 
Fico scores
 
TU 708
EX 704
EQ 676
 
 
Message 1 of 6
5 REPLIES 5
fused
Moderator Emeritus

Re: Will getting my mortgage put back on my rpts hurt my score or help

Exactly how old are the late payments. And how late were they?
Message 2 of 6
Anonymous
Not applicable

Re: Will getting my mortgage put back on my rpts hurt my score or help

9 30day late
6 120 day
 
 
Message 3 of 6
haulingthescoreup
Moderator Emerita

Re: Will getting my mortgage put back on my rpts hurt my score or help

How old were they? (how long ago did they happen?)
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 6
Anonymous
Not applicable

Re: Will getting my mortgage put back on my rpts hurt my score or help

I was wrong.  This is how it reads on Experian  These are from 2003, and 2004
 
6 30days
7 60days
4 90days+
Message 5 of 6
fused
Moderator Emeritus

Re: Will getting my mortgage put back on my rpts hurt my score or help



HOPE2B wrote:
I was wrong.  This is how it reads on Experian  These are from 2003, and 2004
 
6 30days
7 60days
4 90days+


Is the EX score you posted showing the mortgage TL on your report? If so, it would appear this TL with the lates is not hurting your score that much. Lates, especially 60 days or more that are older than 2 years have less of a neagtive affect on scores.
Message 6 of 6
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