Post-GW letter odd reporting

Prometheus5 · ‎05-14-2014

Searched but couldn't find anything. Sent a gw letter to capital one and today the acct is still reporting as a co, however all previous months of reporting are gone, only the last two months show KD. So I have a co with only two months of history reporting. Any advice on this? Might I be lucky to see the entire acct deleted at some point?

Shogun · ‎05-14-2014

You must be looking at your EX report, they are the ones that show the KD on some parts of your CR. It stands for "Key Derogatory" and still marks the account as a baddie. I would continue working on it to say ND "No Data" or have the TL removed.

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.

Prometheus5 · ‎05-14-2014

Thank you for the reply! Is it considered an improvement to have the 30-120 lates no longer show? And should I expect the same modifications to show on the other two reports soon as well? This is one of two baddies I have and the other ages off in three months.

Shogun · ‎05-14-2014

I would expect no change, the fact that it was CO'd is the derog on this one. The lates don't matter.

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.