for my husband. It's an account with $5k limit, owe $460. Good Standing, two lates about three years ago (30 days). Should I call them and ask about reporting on TU? Will they backdate from the beginning of the account OR backdate a year? I don't want those two lates to show up. It would really help with his utilization, bringing it down quite a bit.
Which will create the greater issue? The TL for utilization, or the reporting of two 30's over a few years old? I doubt you'd take a hit for old lates, in exchange for 5k reporting. I could be wrong?!?!