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CR TL comments important in UW?

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mschang
Regular Contributor

CR TL comments important in UW?

I have one account that was 30 days twice and another that was 60 days twice. the lates are 3+ years old so you can't see marks in the monthly boxes (green OKs, etc.) but there's a comment that says "was 30 days past due two times"

 

do i need to start working on getting these comments off or can i leave them be? what have other people's experiences been with these comments during a manual review?

 

TIA!


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 1 of 4
3 REPLIES 3
bodybuilder510
Regular Contributor

Re: CR TL comments important in UW?

I believe the UW will look at the time frame between lates... Comments seem normal. What does that pay status say?
Message 2 of 4
mschang
Regular Contributor

Re: CR TL comments important in UW?

i guess i meant pay status, not comments. the pay status is "30 days past due 2 times"


Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588
Current Score: EQ FICO 660 EX FICO 642 TU FICO 606
Goal Score: 680
Message 3 of 4
drkaje
Senior Contributor

Re: CR TL comments important in UW?

I don't believe consumers can affect those statements, after the fact, without getting goodwill adjustments.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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