The two cards were both GEMB, the first JC Penneys, the second Lowes.
I just put in my letter that these were the only times that I was late, I don't remember why I missed those payments but have since received multiple CLI (on JCP) and 99% of the time I pay more than the minimum.
I just checed my credit scores again... Lowes was off my TU report, but not JPC - score increase... a disappointing 6 points, but then again, a six point increase is better than nothing!
JCP was the one with one 30 and one 60 so once it comes off TU then I should see a bigger increase.
Still waiting for Equifax to update and remove the lates as well.
Good luck to you all. I never thought I could increase my score by just writing a few letters.
Message Edited by tersen on
04-27-2008 05:28 PM