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How much do late payments still affect your score after 3 years?
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I’ve heard they typically fall off after 7 years. But if by some stroke of fate I got them removed via goodwill adjustment, how much could my score realistically go up?
That card has been paid in full and closed off since April 2020, and I have 8 others with a total 13% utilization that are all paid on time. I’ve had on time payments for 38 months now. My student loans (7k) are paused so I haven’t started paying them down yet. No other debt.
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