my lates were in 06-07 and still show on my report. from everything ive read on here, they are not required to remove the late payment remarks, just remove the default status. the kicker is, they changed my current status to as mentioned before...which may not be "default" but is still derogatory. If i were you, i wouldnt be expecting a huge jump in score because there might and very well be negative info still left over.