Anniversary dates for derogs- impact on score???

[Fancyron]

I have read several threads that discuss derogatory items having a lesser effect on score over time. Well....I am very curious what my happen to my score in Dec.

In December of this year, I will have had no derogatory information reported in two years.

One item was a 120+ late item that was last reported 120+ in Dec 06. Current ever since that date

Another item was a 60 day late that was last reported 60 days in Dec 06. Current ever since that date

I only have one collection showing with a 12/04 date, so....it will age to 4 years in Dec.

It was paid approx 2 years ago.

Which item listed above may have the biggest impact on the score?

Message Edited by Fancyron on 10-10-2008 02:29 PM

[GFer]

The worst of the most recent. (Therefore  the 120)

Not really sure about the points. But from what I've read, you're sure to get some points if you have a 2yr clean history.

As usual, ymmv simply because it still takes into consideration your report as a whole.

I would hope you would share your 'experience' about this when this happens! 

[Fancyron]

Thanks, Ill be sure to share what happens when Dec. hits.

[Anonymous]

Use the FICO simulator on your TU and EQ reports-

I think you might be suprised.

[Fancyron]

Niiiiice. Looks like there will be a substantial improvement in scores.