Rebuilding Your Credit

[meka1984]

Hello Everyone,

Does any have a sample letter for tradeline deletion?

[llecs]

What's your goal? Is the TL a CA or OC? Paid or unpaid?

[meka1984]

My goal in one is to get the TL removed from the OC. And another one is to get the TL removed from the CA.

[llecs]

If the OC is paid, then consider it's age before doing anything. Removing an old baddie OC can negatively impact your FICO, though YMMV based on its age, your AAoA, how it reports, and other stuff on your credit. You can send a GW letter and ask for deletion.

For the CA, send a GW and ask them to delete if paid.