24 MONTH HISTORY past 24 months payment activity any 30 60 30 days late. 

24 MONTH HISTORY past 24 months payment activity any 30 60 30 days lates. 
Shows each monthly payment over the past 24 months and which ones were late and how late they were.

4 months back from today's date is counts the most on your credit report. For instance, if you have had no open, reported credit in the past 24 months your score will drop to zero. 12 months is the minimum to have a rated line of credit which helps your score. So be sure to keep good credit open within the past 24 months and at least 12 months reported to a bureau. Also if you have bad credit that is older than 24 months, then your score is not affected much by the bad credit. This is why some people say not to pay off collections that are older than 24 months, because they account might be updated with a current date which starts the 24 months all over again.

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BANKONE KY*62222216 I1 09/01    --- 19094 16786 09/01 11 
                                                                                     looks like open 11 months and no lates
J/I000222222222222                   09/00  ---       477 

                                                                            (30-60-90) MAX/DEL days late or past due for history of loan 

FMCC *622222229 I1                    01/01    --- 29589 0 10/00  57  (08-00-00)12/98-I2 
                                                                                    open 57 months and late 5 months since past report by creditor
J/JC22222225                              03/96         ---  493                  ****2*******/************ 

PAID ACCOUNT/ZERO BALANCE 

 Above u see 493 per month was 8 times over thirty days late once in the past 2 years or 5 months ago out of a total 57 month period. This account is paid off.


CITIF-KENT*6222222220 I5 07/99        --- 1877 504 09/98 07 (00-00-06) 
                                                             
J/577222222222221         08/96                504 128             5*55555*****/************
   
                                                                                       Above 6 times over 90 days late 




CITIF-KENT*6222222220 I1 04/99 --- 2306 0 04/97 31 (05-02-12)03/97-I2 
                                                                                 Shows late 17 times more than 30 days late 2 time more than 60 and 12 times more than 90 days late
J/577222222222220          08/96       --- 128                   ****555555*5/**5444433222 

PAID ACCOUNT/ZERO BALANCE Above 5 times over 30 days

                                                                              


AEGIS FIN *422222227 I1 03/99 --- 14001 0 03/96 48 (02-00-00) 02/96-I2 
                                                  
S/12228                          12/94      ---    355                  No lates in 48 months

PAID ACCOUNT/ZERO BALANCE 

AUTO 



TICOCREDIT*6222222214 I5 07/98 --- 1235 244 02/97 28 (06-02-12) 
                                                         
I/522228                             02/96        244 68 **555***5**3/**2********* 
                                                                    6 times more than 30 days late. looks like we are caught up here but need about 3 4 more payment.


INSTALLMENT TOTALS --- 22206 17534 

                                              748 673 
                                                    
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24 MONTH HISTORY past 24 months payment activity any 30 60 30 days late. 
24 MONTH HISTORY past 24 months payment activity any 30 60 30 days lates. Shows each monthly payment over the past 24 months and which ones were late and how late they were.

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