Charge offs/lates

[Svthhvn]

I have 2 charge offs still on my reports. A foreclosure with a zero balance and a auto repo that is in a payment agreement. Both will age off next year. I will still have some lates reporting (they are from 2016) I want to know how bad will the lates hurt once the charge offs are gone? 

[Anonymous]

Depends on the severity of the lates.

The biggest constraint to your score growth will be the severity of your worst negative item.  If you get rid of things like COs and collections that's great, but if your biggest delinquency is a major (90D+) you more than likely will not see score card reassignment and therefore won't see significant score gains.

[Svthhvn]

The worst once those are gone will be 60 day lates. I will work on goodwills but it's highly unlikely. Bridgecrest doesn't seem to be real forgiving. The accounts with the lates are paid off in full. But will continue to haunt me a while longer yet. 

[Anonymous]

Have you tried the Saturation Technique yet?

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-o...