Late payments on closed installment/utility. Do they count for new credit?

[jbishop1001]

If my installment  loan is now closed - do the late payments I had previously get considered when applying for a new credit card?

[blondy250]

Yes.

[myjourney]

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@blondy250 wrote:

Yes.

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+1 correct and I might add although they lose most of the sting after 2 years IIRC 

They'll remain on CR's for 7 years after which the account would turn positive when they drop off 

[jbishop1001]

If my most recent one was 2 months ago - how long should I wait before applying? What if I have a credit score above 640? The late payments will still work against me?

[myjourney]

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@jbishop1001 wrote:

If my most recent one was 2 months ago - how long should I wait before applying? What if I have a credit score above 640? The late payments will still work against me?

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When you apply is up to you but a fresh new late and 640 credit score will weigh heavily in any credit decision

Is that a Fico score and if so what are the rest?

IMHO it's time to work on your CR's because there's more than the lates affecting scores 

[RobertEG]

I presume that the account is now paid?

[jbishop1001]

Yes the account has been paid. And will continue to be paid on time. How long should I wait before applying for an unsecured card?

[fot1]

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@jbishop1001 wrote:

Yes the account has been paid. And will continue to be paid on time. How long should I wait before applying for an unsecured card?

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Your signature shows sub 600 scores.. Are you scores now 640's? You should probably wait for the lates to be a year old before going for an unsecured card..