No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi Everyone,
I am trying to clean-up my creidt. One baddie that I have on my CR is a 30-day late with Amex from August of 2012. From what I understand, most of the scoring weight is carired in the most recent 24 months. With this being about 4 months away from the two year mark, do you think it would be worth trying to GW this off with Amex - or will they even consider it? I assume that this will stay on my report for 7 years (although less weight on score), so perhaps worth trying?
I appreciate any thoughts!
GW can never hurt since it will stay on your report for 7 years. Not sure AMEX will do much, but worth a try.
+1. Always worth a shot. But even if they won't removed it, as mentioned above it will have little or no effect on your FICO score due to age.
Thanks to each of you.
I took step one... I called the standard AMEX number on my card. A was refered to their credit department, however I the gentleman told me that before I call I must have my actual true credit report in front me, as the credit department would need some specific numbers off of it to be able to do this. Right now I am just working off of my MyFico purchased reports, which I do not beleive have these numbers. As soon as I have them, I will give it a try, and then try snail-mail if that does not work.
Has anyone had success with AMEX as far as GW of a single 30-day late? Would anyone be able to send me the best smail-mail address to use for them?
Thanks so much!