This wait is killing me. After the first week in November, I'll have the following positive influences on my scores:
1. High balance on Walmart and Cap1 will be paid off and reflected in CR's. (Util will be back under 9% for all cards with balance only reported on one.)
2. Ill have all 5 new CC's reporting (two with AMEX backdating to 1993 - my oldest and newest accounts)
3. The increase in new accounts that have zero balance will mean the 20ish point hit I took on my TU report for "too many accounts with balance" will be no longer be a factor.
4. My old 90 day late will be 5 years old (old 30 day late on different account will make 2 years in Dec)
5. Another month of on-time payments
I have no idea what my scores will be. I cant wait to find out!
You're doing great! Congrats!
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.
I'm really hoping 5 year point on 90 day will give me a boost. Looking forward to all scores being over 700.
That's great progress. Waiting is indeed so hard. I also just brought my util down by a bit and can't wait to see the change. 
Fingers crossed for u!!!
So just for my education, is it the 5 yearpoint when lates fall off or hv the least impact?
Most have a decreased impact at 5 years. They typically fall off after 7. (Plus 180 days I think). I've not seen anything about 90 day late at 5 year point resulting in score gain but I'm hoping it will.
AMEX Delta already reporting to Experian. However, USAA has it a little mixed up. On one line it has my Delta card listed under EX and two spots over it has the charge card listed on the same line under TU. Chase Freedom not reporting yet but I just got the statement last night.