I sent a GW letter to Providian (now washington mutual) saying that I has an old acct and it had 1 60 day late and 2 (30) day lates from 2002 and 2003...I know removing them wouldnt count as much but I wanted the lates off. I closed the acct and paid it in full in 2004. I got a respnse today saying they cant verify the acct and there removing it entirely off my CR. Now, the acct is my 2nd oldest acct ...it was opened in 09/2001. However, I have a acct from 01/2001 and it is now a chargeoff (my only one) and appears on my credit report (it was paid in full in 12/2006). My question is will this removal affect my score negativly even though the charge off is still there to show I have a history of credit from 2001. Also I have a student loan (installment) from 2000.
Also, if not negativly then will I see an increase? or is the acct to old to even show that?
Thanks for responding in advance!!!!