and its been reported late a million times in the last 12 months... :oops:

Theoretically speaking, if all else was OK on credit report. How much would this hurt my scores? 100 points? 40? 10? I mean, ballpark, anyone care to give it a stab? Outstanding balance high 30's on student loans :shock:

What type of lates - 30, 60, 90 120? My husband just went from a 90 day late to a 60, and he gained like 15 FICO points.

hmm sounds good. Oh mines are lattttttttttttttteeeeeeeeeeeeeeeeeeee 180++, so you are saying you were xx days late, started paying current and score went up? Yeah, that sounds right, right?

If, so, theoretically speaking, once I start paying current, my score would go up .... it sounds like. thanks