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Even 6-1/2 year old lates hurt

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Community Leader
Mega Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

@ImTheDevil   Is it gone? 

 

I need to know if I should drink beer or have somebody hold my beer Smiley LOL

 

Message 21 of 41
Community Leader
Senior Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

@Remmy, look in my sig Smiley Wink


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 22 of 41
Community Leader
Mega Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt


@ImTheDevil wrote:
@Remmy, look in my sig Smiley Wink

Heart

 

Beer party time it is. 

 

Congrats on all your success so far! 

Message 23 of 41
Community Leader
Senior Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

Thank you, I have some Paulaner in the fridge that I think I’m gonna dig into tonight - feels good to be rid of a no-longer-needed rebuilder. Plus, my AmEx HH Ascend card arrived in the mail today and has happily taken the place of the Indigo in my wallet Smiley Happy


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 24 of 41
Community Leader
Senior Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

Lol I knew I’d hear from you today 😂


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 25 of 41
Community Leader
Mega Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

I gave you an extra day 🤣
Message 26 of 41
Valued Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

I have a 6 1/2 year $250k Charge off on my TU and EQ that isn't on my Experian.  Difference in score is 720's for TU and EQ and 770's for Experian.  


And it might not matter much but when I had the charge off on my Amex card I was getting approved for 1k limits. Soon as it got off  I got 30k starting limits.  Chase, BOA, Barclay and Citi didn't seem to care at all though.  Maybe they charged me a higher interest rates on their 20k+ plus starting limits but I don't look at the interest rates so I am not sure. 

 

More cards than I can mention in a signature.
Message 27 of 41
Community Leader
Senior Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

Frogman1, good info. Amazing that even with so much time passed, there can be that much damage to a profile. I’m definitely going after my derogs with some extra energy this spring to see if I can expedite their removals. 1k vs 30k is enormous - I’m not expecting that, but getting $5-8k SLs would be more than enough in my case.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 28 of 41
Super Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

Until late last year, there was a ~50 point gap between my Experian and Equifax scores (which had a 6.5-year-old 30-day late), and my TransUnion score (which did not). The former were 750ish; the latter hovered around 800.

Since the late dropped, they've been roughly on par.
Cards: Ample. Income: Adequate. Credit: Abundant.
INQs: Almost Reasonable. Last INQ: Check the spade.
2/6 | 2/12 | 7/24
AoOA: Adult. AoYA: Infant. AAoA: 6.5ish
All FICO8 scores above 820.

On my knees, crawling after the wagon.


(unless Chase relents)
Message 29 of 41
Community Leader
Senior Contributor

Re: Proof that on my profile, even 6-1/2 year old lates hurt

I think this information is rapidly shooting holes in the theory that 30-lates stop hurting much after two years.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 30 of 41
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