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i don't remember being late but that was in '03. i had a credit limit of 3500; however, due to late pays with other accounts they have now reduced me to 1000. any advice her considering they are one of ten negatives on my credit report as listed by experian.
BANK OF AMERICA
Address:
PO BOX 1390
NORFOLK, VA 23501
(800) 441-0130 Account Number:
431===========
Address Identification Number: ========
Status:
Open/Current, was past due 30 days.
Date Opened:
01/2000
Date of Status:
01/2004
Reported Since:
01/2002
Last Reported Date:
03/2009
Type:
Revolving
Terms:
N/A
Monthly Payment:
$15
Responsibility:
Individual
Credit Limit:
$1,000
High Balance:
$2,223
Recent Balance:
$78
Recent Payment:
$570
Account History:
30 days as of Dec 2003
Balance History:
02/2009 $343
01/2009 $33
12/2008 $189
11/2008 $316
10/2008 $66
09/2008 $570
08/2008 $136
07/2008 $0
06/2008 $1
05/2008 $67
04/2008 $2
03/2008 $0
02/2008 $140
01/2008 $351
12/2007 $252
11/2007 $102
10/2007 $170
09/2007 $222
08/2007 $105
07/2007 $98
06/2007 $433
05/2007 $530
04/2007 $554
03/2007 $54
Limit High Balance History:
Between Mar 2007 and Feb 2009, your credit limit/high balance was $1,000
You can try a GW letter as suggested.
However, that single 30 day late from that long ago is having little effect at this point. It will be removed in Dec 2010.
IMO, work on everything else before putting effort here.
P.S.......you don't have to start a new thread for each account......ask about one and when it is answerd, post your next. That would be easiest and keep them all together for you.