https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401571#M31150 I have 1 major derog which is a little over 3 years old and 2 other 30 day lates which are 5 years old.  I have seen no score change as the major derog ages so I would say that I'm stuck for the full 7 years or until the BofA TL gets deleted which ever comes first. Fri, 19 Dec 2008 21:28:45 GMT marty56 2008-12-19T21:28:45Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401488#M31147 I had a rough time a couple of years ago and was 150 days late on my mortgage starting 9/06 up to 1/07, and then was 60 days late from 5/07 to 6/07.  I have not been late since.  But I have only had this mortgage since 6/06.  I know it stays on my CR for 7 years, but "should" my score improve a bit every month as time goes on, or maybe each year, or does it get equally dinged for the full 7 years? Fri, 19 Dec 2008 19:44:12 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401488#M31147 Anonymous 2008-12-19T19:44:12Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401500#M31148 It should hurt less after a couple of years, but if it is your only baddie it will hurt for the full seven years.  When my only baddie fell off after 7 years I went up 50 points Fri, 19 Dec 2008 20:00:22 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401500#M31148 MidnightVoice 2008-12-19T20:00:22Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401571#M31150 I have 1 major derog which is a little over 3 years old and 2 other 30 day lates which are 5 years old.  I have seen no score change as the major derog ages so I would say that I'm stuck for the full 7 years or until the BofA TL gets deleted which ever comes first. Fri, 19 Dec 2008 21:28:45 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/How-a-severe-late-affects-me/m-p/401571#M31150 marty56 2008-12-19T21:28:45Z