If anyone's interested to see the impact of a six-year-old 30-day late and an inquiry or two, the gap between my EX, EQ & TU scores is illustrative.
Both the EQ & EX have the 30-day late reporting. The TU does not. The auto INQ is over a year old. So, it would seem that the HELoan inquiries (Sep & Nov) are costing about 25 points and, six years later, the late is still costing me ~50 points.
As of today, I'm AZE2. By Monday, I should be AZEO. It'll be interesting to see what, if anything, happens.
@Anonymous wrote:How are you figuring that the inquiries are costing you 25 points?
Keep in mind that members on this forum have reported 20-30 point variances between bureaus that contain identical information. I think the biggest outlier I've seen is 36 points. That being said, if the bureau where you have the late payment showing that's 6 years old just happens to be your lowest score all things being equal, there's a chance that your score there isn't being held back as much as you think by the old late payment. You won't know for sure until it falls off, which it sounds like you could make happen in 6 months or so.
Was there a time when all 3 of your reports contained identical information? Was that 30 day late ever present on the other 2B and just somehow got removed from them? It would be cool to see where all of your scores stood relative to each other without this baddie present.
Can confirm. Identical 760 at TU and EX, but EQ is 18 points lower at 742.
Ugh my apologies, EQ has 3 inq while both TU and EX only have 1. I dun goofed. 
But years ago when I only had 1 card, TU was 788 while EX was 781 for identical profiles. This I'm sure of. 
The 30-day late won't fall off of EQ/EX 'til Feb/Mar 2019.
Can't seem to find (e.g. ) AAoA (or similar) on myFICO 3B across all bureaus. Is it supplied?
BoA. DOA.
@Anonymous wrote:Do all 3 bureaus have the same AoOA and AAoA too? Because my 3 bureaus have totally different figures for both AoOA and AAoA (17 months, 25 months, and I believe 12 months). So there's variance possibilities there, too.
Now that I know where to find it ... 
AAoA
TU - 9-6 | EQ - 9-8 | EX - 9-1
AoOA
TU - 18-11 EQ - 18-10 | EX - 18-10
My siggy scores are with 2+ year old 30D late on TU, but also have a CFA on EX/EQ which is dragging my score down by some apparently small amount potentially; one inquiry on EQ vs. 0 everywhere else... one month less AAOA on TU but that shouldn't factor at all till February (47 months now, yay!).
No idea on scoring as it ages, do know that late is the #1 reason code everywhere on TU and my scores do reflect a marked difference and sounds like it might continue to make a difference even at 6 years, but as others have said controlling the data is sometimes hard... we have to live our lives after all.
Handwaving at it since can't really compare across bureaus unfortunately especially with the older models, I'd say probably around 30 points is the impact.
