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Valued Member
Posts: 44
Registered: ‎09-28-2012
0

Re-Aging Credit Card accounts to remove late pays

Has anyone had any success by putting in a request for this as opposed to a GW deletion or correction?  I have a 10 year old account with Capital One and had a recent late payment. Any suggestions or feedback is greatly appreciated.

Let them eat cake.
Mega Contributor
Posts: 19,462
Registered: ‎03-19-2007
0

Re: Re-Aging Credit Card accounts to remove late pays

I am unsure what you mean by "reaging the account."

Delinquencies are excluded based only on the date of their occurence plus 7 years.  The date of the delinquency is a factual matter.  I dont know how one can reage that fact.

Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Re-Aging Credit Card accounts to remove late pays

Re-aging the account would bring it current now, it's not retroactive. Unless I am missing your question.

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Member
Posts: 44
Registered: ‎09-28-2012
0

Re: Re-Aging Credit Card accounts to remove late pays

I think it only relates to accounts that are currently past due. I saw it from this article:  http://www.bankrate.com/brm/news/cc/20030331a1.asp

 

 

Let them eat cake.

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