@SwiftTone wrote:Long story short, I pulled my EX report today and saw that I had a negative account missing from the negative accounts section of the report. Upon further inspection, my BoA CC which previously reported 2 late payment in late 2005 now was replaced "no data" for those 2 months. Those baddies haven't hit 7 years yet. I then pulled my EQ report, and those 2 months are still reporting as late.
What's going on here? Thanks!
It sounds to me like EX just decided to drop the lates a little bit early ~ It's good news, the account will reflect positively now.
I've had lates drop a few months earlier than scheduled sometimes.....It's always a nice suprise when that happens. 
@pizzadude wrote:
@SwiftTone wrote:Long story short, I pulled my EX report today and saw that I had a negative account missing from the negative accounts section of the report. Upon further inspection, my BoA CC which previously reported 2 late payment in late 2005 now was replaced "no data" for those 2 months. Those baddies haven't hit 7 years yet. I then pulled my EQ report, and those 2 months are still reporting as late.
What's going on here? Thanks!
It sounds to me like EX just decided to drop the lates a little bit early ~ It's good news, the account will reflect positively now.
I've had lates drop a few months earlier than scheduled sometimes.....It's always a nice suprise when that happens.
I guess I'll see what happens when I pull it the next time.
Just curious, how much negative impact does a closed account from 7 years ago that have 2 lates affect the score. It is my oldest account. I know not to expect a big increase. I have 3 other accounts that add up to about 10 lates. (ahh those crazy irresponsible days)