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Boa CC question

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elm84
Contributor

Boa CC question

My oldest account is my BOA Credit Card it shows on my credit report as reflecting neg , however it was paid as agreed and never more than 90 days late 4 time :/ I know bad but I was young.. Should I write goodwill to have lates removed would that help?
Gardening what I got til Holiday Season 2014
Hoping for a couple 1k+ cards one day
Capital One Secured 300 | Capital One Platinum 300 | Discover It Secured 200 | First Premier 400 | Finger Hut 500 | Victoria Secret 350 | Express 250 |
Dream Cards | Discover It | Chase Sapphire - Slate - Freedom | Amex Everyday Card

Scores | Starting 09/2013 ~ 574 | Current ~ 600 | Goal ~ 720 |
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guiness56
Epic Contributor

Re: Boa CC question

GWs never hurt.  90+ day lates are major derogatories and will impact your score for 7 years.

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