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Lates on 2 accounts same mo. in 2004? Effects?


scramert
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I have worked through several baddies. All I have left are a 30 day mortgage late and a 30 day credit card late. Both the same month '04. Dammit, they bills slipped down between my car seats and weren't sent with the rest. Goodwill letters didn't work. (Wamu and CHase)

CC account is 10 years old and not one other late during that time.

Mortgage is 7 years old also with perfect history except that one time. Yet, they are negatives.

What is the true effect of 2 lates with long history accounts that are otherwise pretty excellent? Both for mortgage and auto loans?

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If those are the only badies left with otherwise good credit, that doesn't seem like too much and they were five years ago.

I don't think anyone here can tell you in terms of points how they affect your credit score.

You can have the bureaus remove them in two more years. Otherwise, if you really feel like pushing it, I'd try another goodwill letter and sound more desperate in it. Good luck.

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