Well ND is better than negative info.
Did the late cross the 7 year reporting threshold? If so it is possible that the account may remain positive in your reports for a few more years. Credit accounts generally remain showing for 10 years from date of closure. Some members have reported accounts remaining much longer and others have seen them disappear before ten years but the bureaus seem to do the 10 year reporting the largest majority of the time.
ND is just that, no data, neither negative or positive. If this replaced lates, it's a win!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
