Hi all,
About a week ago, I mailed out a GW letter to BofA, explaining that I had a couple of 30-day lates two years ago for temporary financial hardship. They are my #1 card, and I told them of my otherwise clean history with them for 8 years.
Today, I checked my credit reports/scores, and it seems that any trace of those lates were removed ... but from my Equifax only.
Could this be an oversight by the BofA staff? Or maybe it wasn't removed at all, and Equifax just doesn't show it now for some reason?
I was thinking of calling a service rep, explaining that I'm thankful that it came off from my Equifax report, but that I would appreciate it if they took it off my TU and EX too.
Any advice on how to proceed?
FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)