KCPaul, Thanks for your response. I will finish off my last car payment next month on a used Honda I purchased 5 yrs ago...No derogs or late pays noted on this acct. So, this should help when my CU (or car dealership) reviews my file. I plan on buying a new car next month. I am currently disputing a collection acct on my CR. So hopefully if things come back deleted, then my score may take a nice jump (I still have a 30 day late charge to deal with)...I will keep you posted.
