Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,740
Registered: ‎08-18-2007
0

Please help

I just pulled my Experian Credit report and it states I have a potential negative item. I have a 30 day past due from chase that was recorded in Nov of 2002. It is the year 2007. How can i get this taken off of my report or am i stuck until it comes off on its own. It states the account will be in positive status in August 2009. Thanks for the help everyone
Established Contributor
Posts: 503
Registered: ‎05-01-2007
0

Re: Please help

The account will report negative for 7 years from the time it was reported as being late.
Valued Contributor
Posts: 1,740
Registered: ‎08-18-2007
0

Re: Please help

there is no way i can dispute it since it has been so long. can i say i was not late and the burden of proof is on them? thanks
Established Contributor
Posts: 716
Registered: ‎06-03-2007
0

Re: Please help

You may want to try a Goodwill letter. see this thread
 
Good luck
Member
Posts: 47
Registered: ‎07-18-2007
0

Re: Please help

You may be able to dispute it. But not on the basis that it is an old account. You can maybe dispute it as being unverifable because it was so long ago or you can try a GW letter.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Please help

If the account is open, keep it open. You stand a better chance, IMHO, of getting GW if it's open.
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
0

Re: Please help



oracles wrote:
I just pulled my Experian Credit report and it states I have a potential negative item. I have a 30 day past due from chase that was recorded in Nov of 2002. It is the year 2007. How can i get this taken off of my report or am i stuck until it comes off on its own. It states the account will be in positive status in August 2009. Thanks for the help everyone

I agree with Noah but this 30 day late is five years old and even if it gets deleted I wouldn't expect much of an increases in your scores.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Member
Posts: 27
Registered: ‎08-15-2007
0

Re: Please help

FWIW, I have one 30-day late showing from Chase (credit card) from 2004. I tried a goodwill letter which was denied, then followed up with an email which was also denied. If you succeed in getting them to remove the late from your history please share your secret.
Good luck!
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Please help

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.