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GW? Or just leave it alone?

Contributor

GW? Or just leave it alone?

I have an old student loan TL on all 3 reports.  It was late one time, in 09/2006.  On both EQ and EX it is appearing as a potentially negative item.  I'm conflicted between asking for the GW since it's being considered a negative - or leaving it alone since it's so old and will be gone in under a year anyway.  Advice?

***9-4-13: TU 602 EQ 663 EX 626***
***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***
5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433
Message 1 of 5
4 REPLIES
Established Contributor

Re: GW? Or just leave it alone?

I would defiantly try a GW, it can never ever hurt to try!
CS 728- 01/13 from 554-12/11
Goal: 800
Message 2 of 5
Moderator Emeritus

Re: GW? Or just leave it alone?

My opinion?  Leave it.  It's not hurting anything.  It's a minor derog that lost it's sting years ago.  It will fall off in a few months.,  Lates stay on for 7 years from their respective dates, there is no +180 days for them.  This is a positive TL that's old and adding to your AAoA.  You'd risk the chance of having the TL deleted.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 5
Moderator Emeritus

Re: GW? Or just leave it alone?


Shogun wrote:

 You'd risk the chance of having the TL deleted.


+1

Message 4 of 5
Highlighted
Contributor

Re: GW? Or just leave it alone?

Thanks for the input!  I think I'll let it sit for the time being, and keep working on the more damaging stuff!

***9-4-13: TU 602 EQ 663 EX 626***
***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***
5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433
Message 5 of 5