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Time since most recent late payment

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Time since most recent late payment

My most recent late payment was 3 years 11 months ago. Is there a threshold (say 4 years) that once I cross my score will jump up?

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Super Contributor

Re: Time since most recent late payment

Depends on the severity of the late payment and the rest of your profile.


Some report gains around the 2 year mark since a late payment and often little else until it ages off.  I wouldn't expect for you to see anything at 4 years though.

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