When is a "recent late payment" not RECENT anymore?

Discussion in 'Credit Talk' started by MammaJ, Jan 11, 2010.

  1. MammaJ

    MammaJ Member

    I had some 30 day late pymts on my car loan in early '09, but that's the only thing that's been late in years. My reports say I have a "recent late item" that is negatively affecting my scores, so I'm sure that it's from the car loan. Question is, when are they no longer considered "recent" by the CRAs? Last late was Feb 09 (car paid off in March or April).

    Thanks in advance!
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    After a year or two the 30 day lates shouldn't be as big of a deal.

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