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I had a 30 day late on a mortgage fall off my EX this morning. (It fell off TU months ago, leaving my TU about the same amount higher.)
Congrats on the score boost and losing a derogatory.
Yup, 30 day lates dont always lessen after a few years, this is an example proving it. Grats on the nice move up
@gdale6 wrote:Yup, 30 day lates dont always lessen after a few years, this is an example proving it. Grats on the nice move up
Do we know that its effect hadn't lessened for OP? I'm not being snarky; I'm genuinely curious. My sense was that a lone 30D takes away more points (50? 60? more?) when it's recent and it shrinks to around 30 points by the time it's about 3 years old. OP's good fortune validates the second half of that. Do we have good DPs on the first half?
Congrats!!!