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credit ruined before it actually started. too much research now confused . help!! bank america

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Anonymous
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credit ruined before it actually started. too much research now confused . help!! bank america

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 

Message 1 of 3
2 REPLIES 2
moondog7324
Frequent Contributor

Re: credit ruined before it actually started. too much research now confused . help!! bank america

Considering it's 1 of 10 negatives- I don't think a six year old late is whats hurting you. You can try a GW letter.
Message 2 of 3
Anonymous
Not applicable

Re: credit ruined before it actually started. too much research now confused . help!! bank america

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.

Message 3 of 3
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