Earlier in my history, I had an 847 and 849. I fully understand the despair of our constituents when disaster occurs. I went from comfortable highs to the upper 600s after a divorce. I lost a prized credit card in the mess. I accumlated several 30, one 60, one 90, and one 120 day late. To me just horrible. Those 60,90,and 120 day lates are still reporting on EX and TU. (the 60,90, and 120's are not on EX). They will not age off until Spring of 2017. The remaing 30 day lates on EQ are 11/07 and 3/09. For TU and EX the histories are the same, 30 day lates 3/09, 8/09.11/09.12/09. The 60 is from 1/2010 and the 90 is from 2/2010. In closing, I am very satisified with my scores. However my Friendly Banker reminds me of my naughtiness when my ballon note renews every so often. At least in grace, I have been fortunate to continue to obtain monies for work despite the negatives. Good luck to all on your journey and to our Moderators.
Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
