Is this a good idea?

Is this a good idea?Is this a good idea?
JosephImips asked 4 years ago

Hello all,
Quick question. I have a car loan on my CR opened in 2005 and closed in 2009. Up until the last 2 payments, I had perfect payment history. But the last 2 months were 30 and 60 days late respectively (lost my job).

My question is this: If this were to come off my credit report, would it hurt me or help me? (Positive payment history vs 2 late payments) The reason I ask is, I’m within 6 months of this falling off and am pondering an EE request, but don’t want to press the issue if the positive history is helping my score more than the negative is hurting it.

Thanks for any insight you might have.

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