I have student loans that are reported late from 2007.
90 and 120 days
they were consolidated right after the lates
in my gw letter do i request they delete just the lates or the whole account?
I would request that they make and adjustment to the reporting of the lates. Removing the entire account will impact your Average Age of Accounts, and remove any positive payment history you had. That could have a negative impact on your score.
thank you. it is citibank so probably waste of time anyway.