A house (and mortage) was left to me and my siblings. Sometimes I had to make the payments on my own and sometimes I could not. We eventually sold it so nothing is owed now but what you see below is showing up as a baddie on my account. Notice the age on it. I tried to GW and they called me today to say they can't find it withouth the account number. I gave them the account number on the CR and of course they have my name. They told me to dispute it... Should I try to find the account number and call back? I am almost certain I don't have it after all of this time... Ugh!
USDA / RURAL HOUSING
Date Opened: | 06/01/1980 | Balance: | $0 | Pay Status: | >Account 60 Days Past Due |
Responsibility: | Joint Account | Date Verified: | 06/01/2007 | Date< | |
Account Type: | Mortgage Account | Last Payment Made: | 06/01/2007 | Terms: | $ xxx per month, paid Monthly |
Loan Type: | FMHA REAL ESTATE MORTGAGE | High Balance: | $xx,xxx | Date Closed: | for 396 months 06/01/2007 |
Date Paid: | 06/01/2007 |
Remarks:
CLOSED
Estimated month and year that this item will be removed:
12/2013
>Maximum Delinquency of 60 days in 05/2007 and in 06/2007<
05/2007 | 04/2007 | 03/2007 | 02/2007 | 01/2007 | 12/2006 | 11/2006 | 10/2006 | 09/2006 | 08/2006 | |
Rating | 60 | 30 | 30 | 30 | 30 | OK | 30 | OK | OK | OK |
07/2006 | 06/2006 | 05/2006 | 04/2006 | 03/2006 | 02/2006 | 01/2006 | 12/2005 | 11/2005 | 10/2005 | |
Rating | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK |
09/2005 | 08/2005 | 07/2005 | 06/2005 | 05/2005 | 04/2005 | 03/2005 | 02/2005 | 01/2005 | 12/2004 | |
Rating | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK |
11/2004 | 10/2004 | 09/2004 | 08/2004 | 07/2004 | 06/2004 | 05/2004 | 04/2004 | 03/2004 | 02/2004 | |
Rating | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK |
Amex Green Amex Gold Delta Rewards Discover IT ABCO Rewards Visa + a few subprimers! 
Those are minor derogs that aren't really affecting your score. I'd let them fall off and leave the account on for AAoA.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
