Credit Cards

[j17brown]

I have a 120+ day late payment from a former HSBC card on my credit report from about 4 years ago. I called HSBC card services to see about paying it and hopefully getting it removed from my report. The lady on the phone told me that she could not find anything in their system after giving her my SSN. She then told me to fax a copy of the credit report with my phone #, address, and action that I want them to take.

Does this mean that if I fax them and tell them to remove the late payment they will have to do it because they have no record? Please let me know if anyone has some insight into this...

Thanks!

[john398]

They may have the info in an offline archive system....good luck though

[Treysdaddy08]

It's most likely a good thing. I just went through this with another CRA. Still disputing on TU, but had it removed from the other two. I would suggest disputing, stating that the account isnt yours and the OC had no record of it.

[j17brown]

Ok thanks. Just disputed through Equifax. I'll let everyone know how it works out.

[j17brown]

SUCCESS!!

Just received my dispute results from Experian. DELETED!! 

My score jumped almost 100 pts!!!

Still waiting on Equifax and TU.

[Juss11]

Was it a charge off? Wow 100 points jump? Is that from fico? I had a $5,000 from Arrow Ca and only seen about 40 points gain.

[j17brown]

It was 120+ days late and listed as closed. The score I got was from the Experian website and was the last negative mark on my report which may be why it was so drastic.

[jimbo831]

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j17brown wrote:

It was 120+ days late and listed as closed. The score I got was from the Experian website and was the last negative mark on my report which may be why it was so drastic.

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This is definitely true.  After getting rid of the last baddie, you were re-bucketed.  This opens your score ceiling WAY up.  Congrats on the success and huge boost!