A pair of 30 day lates from 2 years ago...does it really even matter now with a 760 score?

[urbex]

Not really a rebuilding credit thing at this point....more of a fine tuning thing. 

I have about 40 TLs on my report, stretching back 20 years.  Many years ago I was at a point of getting denied for deep subprime secured credit cards, but have rebuilt nicely since then.  Currently have a 10 year old mortgage, 2 month old car loan, and credit cards ranging from 4 months to 11 years old.  Total CL $190K. 

All 100% clean except for a pair of 30 days from late 2022.  Wasn't any kind of financial distress, rather I just flat forgot to pay them or put on autopay.  Ended up paying more in late fees than the outstanding balance was....100% my fault, and I feel a bit stupid for it, lol. 

764 EQ FICO 8 as of this morning, and 750TU/758EQ on Credit Karma.  I have about $20K sitting on 0% cards that will be getting paid off over the next 3 months before the 0% expires, so I expect those scores to rise a bit afterwards. 

One of the lates is from a Sync Paypal card that I was thinking about sending out the Goodwill letters for.  The other on a Citi Home Depot card, and knowing Citi...I feel like trying to get that one erased will be a complete waste of time. 

But I'm wondering...at this point, would getting one, or both, erased even make a significant difference?  I'm thinking I'm already at the point of qualifying for prime or near prime rate loans and credit cards, best insurance rates, etc., I don't care about hitting 850, and I've read that 30 days have minimal impact after 2 years.  Part of me is wondering if I'm needlessly poking a hornet's nest by even trying this now...

[SouthJamaica]

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@urbex wrote:

Not really a rebuilding credit thing at this point....more of a fine tuning thing. 

I have about 40 TLs on my report, stretching back 20 years.  Many years ago I was at a point of getting denied for deep subprime secured credit cards, but have rebuilt nicely since then.  Currently have a 10 year old mortgage, 2 month old car loan, and credit cards ranging from 4 months to 11 years old.  Total CL $190K. 

All 100% clean except for a pair of 30 days from late 2022.  Wasn't any kind of financial distress, rather I just flat forgot to pay them or put on autopay.  Ended up paying more in late fees than the outstanding balance was....100% my fault, and I feel a bit stupid for it, lol. 

764 EQ FICO 8 as of this morning, and 750TU/758EQ on Credit Karma.  I have about $20K sitting on 0% cards that will be getting paid off over the next 3 months before the 0% expires, so I expect those scores to rise a bit afterwards. 

One of the lates is from a Sync Paypal card that I was thinking about sending out the Goodwill letters for.  The other on a Citi Home Depot card, and knowing Citi...I feel like trying to get that one erased will be a complete waste of time. 

But I'm wondering...at this point, would getting one, or both, erased even make a significant difference?  I'm thinking I'm already at the point of qualifying for prime or near prime rate loans and credit cards, best insurance rates, etc., I don't care about hitting 850, and I've read that 30 days have minimal impact after 2 years.  Part of me is wondering if I'm needlessly poking a hornet's nest by even trying this now...

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Writing to the credit bureaus might be 'poking a hornet's nest' but I don't see how writing goodwill letters would cause any problem.

Nevertheless it's probably not worth the effort.

[urbex]

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@SouthJamaica wrote:

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Writing to the credit bureaus might be 'poking a hornet's nest' but I don't see how writing goodwill letters would cause any problem.

Nevertheless it's probably not worth the effort.

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I wasn't planning on writing to the burearus or disputing anything there.  Just simply writing out the GW letters to Synchrony and Citi direct. 

I was reading some other posts from people going down the GW road saying that after sending the letters, and getting the standard "we report acturately blah blah blah" that those accounts started getting reported as disputed as well.  I know that's not likely to cause a score drop by itself, but it does make me wonder if it might show up as a red flag on a manual review. 

I'm not going on any kind of credit card or loan spree, though the couple new cards I opened this year came with starting limits plenty high enough to make me happy, and that car loan is at 7%, so I figure I'm already getting about the best terms I can get from a credit score basis.  I just don't want to find myself in a situation where I'm realistically only going to see something like a 5 point boost in FICO if GW works, but also running the risk of making my life much more difficult if it doesn't, lol. 

[Revelate]

They don't matter that much on modern algorithms. 

At two years 30 days are basically "minor blemish" and that scorecard tops out somewhere slightly above 790 at least on FICO 8.

I have lates on my TU, like you it was just a stupid.  The score there isn't as good as either EX or EQ, but it also doesn't rationally matter.