Quick question. I have one 60/90 day late on my credit report. Is it possible to ever get "prime" credit or a FICO over say 720 with these "serious" negatives on my report? Right now my score is 665 with a 1% utilization rate, and no negatives within 15 months. I just want to know if I'll have to wait years (the 60/90 day late is 2 yrs old) before I'll have "good" credit.
I have a chargeoff on tu that is 5 years old, much worse than yours and I have over 700. Your utilization is less than mine also. By the way Chase and BofA just approved me for 5000 and 4000 respectively based on my tu. The other two cras have dropped the chargeoff and they are over 720.
