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Pissed off

Established Contributor

Re: Pissed off

I thought after 2 years those lates become less effective. 

Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

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Message 21 of 22
Moderator Emeritus

Re: Pissed off

It also depends on the severity of the lates.  If they are only 30/60 then those are minor derogs and lose their punch after a couple years. 90+ are major derogs and will hurt quite a bit more and for longer.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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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.
Message 22 of 22