dooodooo,
Its kind of hard to tell what happened here. But, here is my experinece: I requested a late payment deleted and it was not granted. The account was already closed for 3 years and all they adjusted on my report was the was the note on the account from: "Paid in collection" to "Paid in full" one would expect a positive change there on the score. Guess what? Dropped 7 Points. Nothing else changed on my report, I called TU and they told me its because the date of last activity was updated. Beat me.
I basicaly learned to not touch some old accounts if they are not affecting too much of my score. But, I was after the perfect report
Hopefully someone else will share their story also to help us out.
Good Luck,
Joao
FAKO - EX: 749 | EQ: 769 | TU: 749