Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 16
Registered: ‎03-13-2008
0

Quick question and some heartfelt thanks!

I have to start this by giving thanks to all of the information I've been able to obtain from the knowledgeable posters in this board.  I wouldn't be anywhere near where I am without you help!!!  In the close to four years since I found this resource I've been able to go from a whopping 515 (Eq) to my current 674. 

 

That said, I'm still having a major problem.  I have an installment account that was paid off in January 2008.  Unfortunately, when it was paid off it was 30 days late.  Instead of updating my tradeline, it's current status is reporting 30 days past due.  I've tried to reason with both Equifax and the creditor, but there has been no change to the tradeline.  This, along with a CO from Discover that is set to come off of my report in October are the only baddies I have left to fix.   Any advice would be greatly appreciated!

Frequent Contributor
Posts: 342
Registered: ‎02-10-2012
0

Re: Quick question and some heartfelt thanks!

The only thing you can really do is keep sending GW letters to the OC and plead your case to remove that 30 day late. From what I have read, though, a 30 day late from 2008 isn't hurting your score too awful much...


Starting Score: EQ = 550; TU = 491(2/10/12)
Current Score: EQ = 669; TU = 674(6/20/14)
Goal Score: 700+


Take the FICO Fitness Challenge
Established Contributor
Posts: 761
Registered: ‎10-04-2010
0

Re: Quick question and some heartfelt thanks!

I agree. The only way to get that off is to send GW letters to the CA. Keep at it...you may be lucky enough to finally get someone who will say yes

BK in 2008, after making very stupid financial. decisions.

Barclay's Apple Financing Card ($8400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)--- Discover IT ($5000)

Senior Contributor
Posts: 4,196
Registered: ‎03-24-2008
0

Re: Quick question and some heartfelt thanks!

Did you do a search here, in the forums for the OC?  To see, if they are GW friendly.

May I ask, who is the OC?

 

Oh BTW, Congrats to YOU!! on a 159pts jump on you EQ CS.Smiley Wink Keep up the great work.

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Established Member
Posts: 16
Registered: ‎03-13-2008
0

Re: Quick question and some heartfelt thanks!

I searched, but it's a small regional bank that I didn't see any posts for Smiley Sad

 

Looks like I'll keep sending GW letters and disputing it with EQ.  It's absolutely amazing to me to think that my CR can go from literally nothing but baddies on it to a completely clean report.  It's going to be surreal feeling the first time I'm able to pull a report and it doesn't list any negative items.

 

Thank you for the congratulations, I couldn't have done it without the folks on this board.

Highlighted
Established Member
Posts: 16
Registered: ‎03-13-2008
0

Re: Quick question and some heartfelt thanks!


Lois5669 wrote:

The only thing you can really do is keep sending GW letters to the OC and plead your case to remove that 30 day late. From what I have read, though, a 30 day late from 2008 isn't hurting your score too awful much...



That's what I had thought from looking at all of the posts on here, but I think it's doing some damage since it's currently reporting that it's 30 days late.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.