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Anyone had BADDIES removed?

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Anonymous
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Anyone had BADDIES removed?

I recently started taking a big interest in credit and am upset that I had a negligent account for a TJ Maxx card through Chase about five years ago.  I paid it off in full ($98) but it had been reported as negligent for over 180 days.  I know that if I'd known better I would have used my payment as collateral as it seems many people do.  Unfortunately, I just paid it off in full without anything in writing regarding the record.  I sent a letter a couple days ago to the PO box address on file from the credit report.  What is the likelihood that they'd remove it for me?  Has anyone ever had anything removed?  I acknowledged my mistake in the letter and I am hoping since it's 5 years old and soon due to drop off anyhow that they'd do this for me.

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Anonymous
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Re: Anyone had BADDIES removed?

I would say you have a good shot at removal - it's from a LONG time ago and the amount is fairly small.  I hope it works for you, keep us updated, I love seeing success stories!

 

And if they refuse, try again anyway. Smiley Wink

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