EQ:
i have several late payments from CAP 1 back in 2001/2002. 2 30days, 1 60, 1 90, 1 120, 1 150. Remarks: paid for less than balance, last reported 9/2/12.
-will a goodwill letter to cap 1 help to get those late payments deleted?
It certainly won't hurt to try, the worst they can say is no. Per the many GW success stories here, it often takes 8+ GW attempts before they are willing to remove late charges. You can try searching the forums to see other people's GW experiences with Cap 1 to gauge GW effectivness and difficulty.
TU/EX:
1 30 days back in March 2010 from Comenity Bank/Express.
2 closed Paid medical collections. 1 is supposed to come off end of this year/one on next year.
is the 30 days late from comenity bank a big hit on my score? i have a goodwill letter written ready to send out to comenity bank.
Any lates will impact your score, 30 days or more. As a rule of thumb, I've heard that payment history makes up a good 25-30% of your credit score.
