How bad do late pays older than 2 years affect your credit score? I ran into trouble with just about every creditor after losing my job post 9/11. I managed to put my 2 largest cards on a CCCS plan, and worked with the creditors on my auto loan and remaining 3 CCs. Unfortunately, juggling what little cash I had left after 6 months of unemployment forced me to miss a couple of payments on each account. So, they all pretty much have 2 (30 days late), but they are about 26-29 months old at this point. Would those derrogs prevent me from hitting the 700s if everything else on my CRs was good (no COs, no lates in past 2 years, 50% below credit limit standing)?
