WFNNB/VS

[Anonymous]

I have a 2 TL for WFNNB on my CR, for 2 accounts. 

Old Account

Limit: 250

Bal: 0

2-30day lates (12/2008 and 3/2009)

Opened: 6/2007

Closed: 7/2010

New Account

Limit 550

Bal: 0

No lates 

No lates

Opened: 8/2011

My question is it better to try to get the lates removed from the closed account or delete the TL?

My TL....I have 2 CC (open and used) and 3 Revolving store cards counting both of these

[themeggerz]

It depends on your AAoA.  Thats an older card (6/2007) - can you take losing a 5 year old trade line?

Honestly, those lates are barely affecting you if they 3-4 years ago. If you could get those removed, but keep the TL, you'd be golden.  If the only option was deleting of teh trade line, whatver you gain by removing the lates may be eaten by the AAoA change.

[Anonymous]

i talked with VS and they said they don't have the records to go back that far to see the lates. They suggested I dispute it with the CRA, I just wonder if I dispute will they remove the lates or remove the whole TL?