I see several people have had success with chase. I have a closed card with them that is current but has a 3000 balance. I am working to get it paid off. I wanted to contact chase for a goodwill delete of the late payments. Do you think they would do that if I have a balance or should I try to pay off the balance first? The reason I am asking is because I have some smaller cards that ate in good standing with balances. I was going to start on these first but if It would be better to try and get the 3000 chase balance paid off first so I can go for a goodwill delete maybe I should do that. My small cards are store cards but one of them is maxed so I thought it would be better to try and pay that down but it has no late pays. Now wondering if the chase one would be better. Trying to qualify for a mortgage in six months and need 75 point increase. Thanks everyone.
Equifax my fico 629 Transunion my fico 669 Experian fako 663
Limit is 5000 and there are some 30 and 60 day lates and they are atleast six months old. I know if they deleted it could hurt my utilization percentage but I am talking to my sister about adding me as an authorized user on one of her paid off cards in good standing to raise my available credit total.
Equifax my fico 629 Transunion my fico 669 Experian fako 663