Why didn't I pay more attention?

[fishbjc]

DH has ONE Chase card that I REALLY Mismanaged into the ground.  I'm coming up on six months of no lates reporting.

It's dismal!  I've got 1 - 90 and 2 - 60's coming up on one year ago.  With SIX more ontime's I hope that will make a CHANGE in the SCORE..what do you guys think?

The rest of the baddies are:

4/03 1 - 30 Sears

3/03 1 - 30

2/06 1 - 30

2/07 1 - 30

3/07 1 - 30

7/07 & 9/07 - 2 - 30 JC Penney

I've got gw's to Sears & Jc Penney for two removals.

[Anonymous]

fish, imo your scores may only change a little. But with that 90 day late on the report I'm not sure.

I read a post by a Mod last month, talking about the severity of lates. 90 days is considered as bad as a collection. If I can find the post, I'll re-post it here.

It went something like this(don't hold this to me):

30 day late - effects start to diminish after 1 year.
60 day late - effects start to diminish after 2 years
90 day late - effects start to diminish after 3 years.

(I wish I would have printed that post and put it in my folder.)

[fishbjc]

Crikey, I DO remember now. 

Just have to secure a 2nd auto loan in the fall.

I'm pretty set with cc & mortgage is at 5.125%...