laura66 Posted November 25, 2003 Report Share Posted November 25, 2003 Is it worth disputing these at this age, when they are no longer affecting your score? Or does it just make your report "prettier"? Link to comment Share on other sites More sharing options...
Swede Posted November 25, 2003 Report Share Posted November 25, 2003 Is it worth disputing these at this age, when they are no longer affecting your score? Or does it just make your report "prettier"?I don't know who told you that late pays 2 years ago doesn't count but it's incorrect- they definitely do count so yea, you should try to remove these. If they're overall good account with just that one late pay, you should try sending a goodwill letter to the OC via Planetfeedback to not risk the entire TL being deleted. Link to comment Share on other sites More sharing options...
laura66 Posted November 25, 2003 Author Report Share Posted November 25, 2003 I thought after 2 years they didn't have much of an impact on your score. I know when reporting occurred in the 25th month, I noticed a pretty big jump in my scores. Thanks for the info! Link to comment Share on other sites More sharing options...
Swede Posted November 25, 2003 Report Share Posted November 25, 2003 I thought after 2 years they didn't have much of an impact on your score. I know when reporting occurred in the 25th month, I noticed a pretty big jump in my scores. Thanks for the info!Depends, it's based on all the information on your files, if your accounts are young, the late may affect harder than if your overall length is longer etc. The jump in scores may been your balances updating as well. Check this Scoring Booklet from Fair Isaak posted by Radi8 at creditboards... http://www.creditboards.com/phpBB2/viewtopic.php?t=17229 Link to comment Share on other sites More sharing options...
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