60 day lates and credit score

[rapprt]

My credit score isn't great because 2 years ago I had 3 60 day lates in a row from Capital One. As of this January it will have been over 2 years and will fall off the month by month analysis. Will that make my credit score go up?

[Aahz]

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@rapprt wrote:
My credit score isn't great because 2 years ago I had 3 60 day lates in a row from Capital One. As of this January it will have been over 2 years and will fall off the month by month analysis. Will that make my credit score go up?

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Without seeing your total report no one can give a definitive answer.  But, assuming everything else on your reports is fine, then yes, your scores should increase as these late payments fall off.

[Anonymous]

I always saw point increases as lates aged past 24 months.

[gdale6]

Just because they are not visible on a 2 year monthly payment history doesnt mean they no longer exist on the credit profile they are till there and its highly likely the worded history of the account has a reference to max delinquency. As they age back in time their effect on fico score lessens and sometimes they still cost points at the 7 year mark.

[dman23]

From my experience I had a 60 and a 90 day late fall off and my score went up 46 points. I recall researching these forums and learning that 60 and 90 day lates hurt 'til the end. (7 years). My experience confirms that.

[dman23]

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@dman23 wrote:

From my experience I had a 60 and a 90 day late fall off and my score went up 46 points. I recall researching these forums and learning that 60 and 90 day lates hurt 'til the end. (7 years). My experience confirms that.

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They fell off at the 7 year mark.

[Anonymous]

I echo the rest of these comments. Those lates will hurt you until the 7 year mark. Your best bet is to send goodwill letters to Capital One to get those lates removed.

[Anonymous]

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@Anonymous wrote:

I echo the rest of these comments. Those lates will hurt you until the 7 year mark. Your best bet is to send goodwill letters to Capital One to get those lates removed.

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Waste of time. Cap One flatly refuses to remove late payments.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I echo the rest of these comments. Those lates will hurt you until the 7 year mark. Your best bet is to send goodwill letters to Capital One to get those lates removed.

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Waste of time. Cap One flatly refuses to remove late payments.

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Not a waste of time in my experience. Persistence is key! I sent several letters, emails, tried the chats. After they sent several letters back stating they don't do goodwill deletes, they finally removed 3 lates for me. Took a few months but now I have a perfect file for them.

[ScoreSizzle]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I echo the rest of these comments. Those lates will hurt you until the 7 year mark. Your best bet is to send goodwill letters to Capital One to get those lates removed.

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Waste of time. Cap One flatly refuses to remove late payments.

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Not a waste of time in my experience. Persistence is key! I sent several letters, emails, tried the chats. After they sent several letters back stating they don't do goodwill deletes, they finally removed 3 lates for me. Took a few months but now I have a perfect file for them.

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I've mailed and emailed them for a deletion of a late fee that was from HSBC before Cap1 took over and they've denied me both times. Looks like I got to get a little more aggressive.