Credit Card Center Advertiser Disclosure†
06-20-2009 07:35 PM
I have been trying to Goodwill a late payment from Capital One for DH that dated back to September 2007 - it was his only late payment on that account since 2001 when he opened and I was hoping if we could get it off then we could add me as an AU.
They kept saying no (shocker)
Today I got his credit check total report and it is not showing on there... fantastic... but, this is the weird bit he is now only showing 12 months of payment history. Before it has always shown two years and now it only shows from May 2008 until today. I went on to Transunion site and got his report from there directly and same thing only 12 months of history. Everything else is still correct - date opened, balance, limit etc etc. If it isn't on there does that mean that no one will see the 30 day late any more? Is it safe to add me as an AU? Is there a chance it will come back.
06-21-2009 07:37 AM
06-21-2009 03:07 PM
The month by month history is only 12 months, 12 little boxes all showing green.
However the date the account was opened still shows as June 2001 and the comment says Pays as Agreed/ Account in good standing (depending on the CRB)
So yeah, it still has it's full age in his AAoA calculation - that hasn't changed at all - but it only shows what has happened on the last 12 months of payments in detail (I guess I shall keep an eye on it in the next month or two and see if it stays at only reporting the last twelve months or if it starts detailing a longer period)
Really, really odd.
06-21-2009 08:04 PM
Sounds like they granted a goodwill clear and elected to do so by clearing history prior to and up to the delinquency. While no return of the late can't be assured, under the circumstances described I wouldn't expect it would be reinserted.
You can't lose tradeline "history" in this manner. The age of the tradeline is still based upon the account open date, whether history is reported or not, so long as the tradeline status is currently active (reporting with status in the last 6 mo.)
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.