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Below is a copy of the negative accounts on my credit profile. Chase offerred an option to delete the account from my CR. Will this hurt me especially since Amex is my oldest TL (1988)? I'm not sure how much this is hurting me or if it will be better or worst to have the account deleted, especially since it is paid in full. Is it better to leave it alone since I also have two other COs and two other BOA and a Suntrust Card (12/2010 last late of 15 days) t hat have some 60, 90, 120 and 150 days late but are also PIF and reporting, even though they are closed accounts. I also have another current Amex account that is open and never late that was also backdated to 1988 which is helping my CR. I also have a mortgage and car loan and student loan for the past several years that has never been late. I have three other CC in good standing (open as far as 2011) and currentlyy have scores ranging from 690EQ to 715 EX. Any help is appreciated on if I should delete the Chase account from my TL. The other cc companies will not budge at all.
https://www.dropbox.com/s/wmax9wjw44octh3/SEngC224MFD14021911300_0001.jpg
https://www.dropbox.com/s/1fb149ssq3mr5c9/SEngC224MFD14021911300_0002.jpg
https://www.dropbox.com/s/kok7ck9jk07uafp/SEngC224MFD14021911300_0003.jpg
https://www.dropbox.com/s/twxfyt2ufpkmbuo/SEngC224MFD14021911300_0004.jpg
@Creditspa wrote:
Below is a copy of the negative accounts on my credit profile. Chase offerred an option to delete the account from my CR. Will this hurt me especially since Amex is my oldest TL (1988)? I'm not sure how much this is hurting me or if it will be better or worst to have the account deleted, especially since it is paid in full. Is it better to leave it alone since I also have two other COs and two other BOA and a Suntrust Card (12/2010 last late of 15 days) t hat have some 60, 90, 120 and 150 days late but are also PIF and reporting, even though they are closed accounts. I also have another current Amex account that is open and never late that was also backdated to 1988 which is helping my CR. I also have a mortgage and car loan and student loan for the past several years that has never been late. I have three other CC in good standing (open as far as 2011) and currentlyy have scores ranging from 690EQ to 715 EX. Any help is appreciated on if I should delete the Chase account from my TL. The other cc companies will not budge at all.
https://www.dropbox.com/s/wmax9wjw44octh3/SEngC224MFD14021911300_0001.jpg
https://www.dropbox.com/s/1fb149ssq3mr5c9/SEngC224MFD14021911300_0002.jpg
https://www.dropbox.com/s/kok7ck9jk07uafp/SEngC224MFD14021911300_0003.jpg
https://www.dropbox.com/s/twxfyt2ufpkmbuo/SEngC224MFD14021911300_0004.jpg
I personally would rather the account completely gone so you have 1 less negative reporting account even though it's a few years old... the account will never return to the good side of your credit since it had the lates and rather it's paid or not, it still shows on the negative side of report so i would delete and then you will only show 3 negative accounts instead of 4.