I have 1 30 day over 5 yrs old. There were 4 total last year but they fell off. On MyFico under things negative. It has never changed from 4 to 1 30 day late or no score change alert. It goes by # of accounts. Not by # of days. I think Vantage counts them. If a single 90 day late falls off (which would be a grouped 30,60,90 day) and theres a 30 day left somewhere. You'd gain points, but the 30 day will still ding you. When its all clear. Then it will all be a big fat 0 accounts. As you can see. Its not the how many there are. Its how many accounts were late, charged off, ect. Now if your applying for a new account. The UW will see how many there are easily.