90 Days lates vs. Chargeoffs

[nycfico]

I'm entering the home stretch now of a rebuild I've been undertaking since 2012.

I have chargeoffs ready to fall off starting in November and by June of 2019, I will be chargeoff free..finally.  

I haven't had any late payments since November 2012...when I had a 90 day late for Cap One reporting to all three bureaus...this will be on my reports until then.  Question...how much more significant are charge-offs than 90 days late?  Based on some of the things I read out there, 90 days late are as bad as liens or collections....I find it a little hard to believe that they are as bad as charged off accounts, but perhaps so.

I'd like to think once the charge offs come off first half of next year that my scores will really strengthen...but will these 6.5 year old 90 days late still keep me down?  I'm in the low 700's right now.

[Revelate]

TBH, we don't really know or at least admittedly not that I've seen (there are some gaps in my perusing of the forum).

The data regarding late aging is anecdotal and from multiple files, and there hasn't been a fantastic amount of what happens when something gets excluded and that explicitly applies to CO's.  90D's are a bit more well characterized but neither are something there's much concrete data on for various reasons.

I agree that CO's are worse than 90D's, but so are tax liens vs. collections, and they're basically "the same" with how they impact what scorecard you get assigned to and that might apply to CO's vs. 90/120/150D lates.  I do know that my old 60D late impacted me for as long as it was on there, but I don't know what the explicit difference is between a 60D and a 90D, the 60D is considered a serious deliquency on my Transunion file on all models seemingly.