Have been reading the forum for a while and have learned a great deal. Thanks for all the advice.
Good news first. I pulled my credit report the other day and realized that I had 2 30 days late pay on my studen loan with ACS back from June and July. I was the dummy and when I realized it caught them up, just forgot about it. Anyway, I called acs and they gave me the number to my school, short story is they are reversing both of the 30 day lates this month. They said it will show up at the end of the month. How much jump in score should I see since they are fairly new? Does a late pay affect you differenct on a cc vs student loan?
Second, I have a 30 day late on baxter CU from 04/2004 on a line of credit that is closed. Is this late still hurting my score any? I was thinking about GW them but wasn't sure if it was worth it since the late is over 5 years old.
Thanks for the help
