Any info on how to handle Paid CO's

[Sparkz1920]

i would like to try to get them deleted

[Anonymous]

I just recently sent the CA a goodwill letter and asked if they could delete this from credit reports.

4 days later I received their response. They will delete it from all 3 CRA!!!

A goodwill letter works. Simple and straight to the point.

[llecs]

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Sparkz1920 wrote:
i would like to try to get them deleted

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Keep an eye on the age in relation to your AAoA. You can actually lose points removing a CO if that CO was much older than your AAoA. Also keep the 7 yr CRTP in mind. If you are pushing 7 yrs, then it should convert into a positive account and report for 3 more years adding more history. I had a CC CO back in 1997. Thankfully it is still reporting today as my oldest TL. The negatives were removed years ago and for whatever reason it reports as "open" vs closed and is a great asset to my CR.

[RobertEG]

Was it a CO by the OC, or refered to a third party CA?

[Anonymous]

what companies were your baddies, you had deleted?