Unfortunately no, I had 3 accounts go anywhere from 30 to 90 late during those months 2006- an electric company truck hit me on my way to work, I was hospitalized and then in a wheelchair and casts for months. I paid all of my accounts as soon as the settlement came through. I also closed them, because I was 18 and didn't know any better. I also had a chase health advance which I couldn't afford to make full payments on for several months in 2010 (lost my job), but I paid as much as I had each month, and paid off the balance once I was employed again, so I'm trying to systematically ask for goodwill across the board.
The Health Advance is still open so I am hoping that those will hurt less after two years (which will be this Oct) although different bureaus are reading as either 60 or 90 days late, which I think is where the major variance is between my scores. Experian has it as 30-60-60-60-60 from May to Sept 2010 (Score: 711), Equifax has it as 30-60-60-90-90-90 from May to Oct 2010 (Score: 678). This is the one that is really killing me I know, but I am scared to contact them for a GW because it is still open and I would hate for them to decide to close it and keep the negative report on file for 5 more years.
@pizzadude wrote:
Is this 30~day late the only negative item on your reports ? 30~day lates usually lose most of their FICO ding within a few years, so it's possible that it might not be hurting your score in a significant way. Have you pulled a recent FICO score to know where you stand ?
