Did you bring the loan current in May of 2006 or are they just not reporting a 30 day late then? If you brought it back current, that resets the time period for when you count for deletion.
Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720Take the FICO Fitness Challenge
