Over 2 year old 30 day late question

Anonymous · ‎08-12-2009

I have a 30 day late from over 2 years ago on a CC account that I closed due to them making the mistake. I have disputed this twice to no avail. How much would it affect my rating if I was to send a GWL and hopefully have it removed.....or should I just leave it alone?

mgs2010 · ‎08-12-2009

Go for it, its been awhile maybe they will be forgiving. Goodluck!

fused · ‎08-12-2009

A 30-day-late more than two years old usually doesn't have much of an impact on FICO scores.

creditwherecreditisdue · ‎08-12-2009

How many lates do you have?

How many accounts do you have lates on?

Is this the only late on the account?

Do you have any baddies reporting? (CO, CA, PR, BK, etc.)

Message Edited by creditwherecreditisdue on 08-13-2009 12:14 AM