What is considered a RECENT derogatory?

[currentlywinning]

Is there a time frame? A number of years? If that derog is paid in full would that make a difference?

[Anonymous]

Within the past year is the worst, then within 2 years, then it starts to matter less. It's still there, but not weighed as heavily. Paying in full does not affect the score - you would have to get a PFD agreement and get the derog removed for it to affect your score.

[Anonymous]

depends, before I got my chase 30 day late off I was recently dinged for that as recent derog.. It was in 08 lol

[currentlywinning]

Thank you all! This is some complicated stuff! LOL

[Anonymous]

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@currentlywinning wrote:

Thank you all! This is some complicated stuff! LOL

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Yes, it can be. You will find that CCC will make up anything to deny you or give you a higher rate. I was told that my utilization was too high....it was 0% lol!