You can see the gap in my scores. That's my last late falling off, and will be all 3 soon. 750 isn't bad and I'm not at all doing AZEO + my loans are on the forgiveness track (100% util). The late doesn't have to hold you back as much as long as you optimize the rest of your profile. Then when a few years passes by, you check your score in an oxygen bar on Mars and it's gone! 🙂
