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Regular Contributor
kal9988
Posts: 168
Registered: ‎07-10-2010

Removing old late fees

Hi - I have a 30 day late fee on 2 accounts -- one late is 6.2 years old and the other is 6.5 years old. I've disputed them in the past but the late payments are verified. Is there a way to request the credit bureaus to remove them based on age, or do I need to wait the full 7 years?

Frequent Contributor
BrandonSS
Posts: 342
Registered: ‎08-31-2010

Re: Removing old late fees

30 days late at 6 years is barely, if at all, hurting your score.  After 2 years they are pretty meaningless.

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
Regular Contributor
kal9988
Posts: 168
Registered: ‎07-10-2010

Re: Removing old late fees

Thanks!

Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: Removing old late fees

 


kal9988 wrote:

Hi - I have a 30 day late fee on 2 accounts -- one late is 6.2 years old and the other is 6.5 years old. I've disputed them in the past but the late payments are verified. Is there a way to request the credit bureaus to remove them based on age, or do I need to wait the full 7 years?


 

I agree that after this amount of time single 30 day lates are not much concern but if you did want to try and get them removed early only the creditor can do that not a CRA.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work



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