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Regular Contributor
Posts: 124
Registered: ‎04-23-2007
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Address:  PO BOX 85015  RICHMOND, VA 23285  (800) 903-36...

[ Edited ]
Address:
 PO BOX 85015
 RICHMOND, VA 23285
 (800) 903-3637
Account Number:
529115204610....  Original Creditor:
CAPITAL ONE  
 Status:
 Paid,Closed/Current, was past due 90 days.  
 Date Opened:
 03/2001
Type:
Revolving
Credit Limit:
  Date of Status: 06/2007 
   Reported Since: 07/2002
    Last Reported Date: 06/2007

 
 Your Statement:

 Account closed at consumer's request  
 Account History:

 90 days as of Dec 2002
 60 days as of Nov 2002
 30 days as of Oct 2002

 

I disputed the lates for this acct and it came back verified.  I was wondering if the last reported date of 6/07 is going to affect my fico score?  Before I disputed it the last reported date was 5/03.



Message Edited by loloswims on 06-28-2007 08:16 AM
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007
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Re: Address:  PO BOX 85015  RICHMOND, VA 23285  (800) 903-36...

No it should not. This account has pretty much aged off since it was last updated on 5/03. If you want to try to get the lates removed you can try a GW letter to Cap 1.
Regular Contributor
Posts: 124
Registered: ‎04-23-2007
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Re: Address:  PO BOX 85015  RICHMOND, VA 23285  (800) 903-36...

Well experian changed the last reported date to 6/07.   I am not sure if that makes it seem like a recent negative item?  The last late on this account was back in 12/02
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Frequent Contributor
Posts: 489
Registered: ‎05-23-2007
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Re: Address:  PO BOX 85015  RICHMOND, VA 23285  (800) 903-36...

The account is a paid closed. It wont affect your score. Again try a GW letter or just wait it out until 2009 when it falls off your report completely.
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