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Christy0828 wrote:
To answer an earlier question I probably have about 6 different credit cards and store cards with no balance. Also, I have a 90 days late on an authroized card from around 1.5 to two years ago, and I have a 30 day late from around the same time. Other than that I have a a tax lien from around two years ago and a paid Amex card that wen to collections around 4 years ago that was paid off around 3 years ago. The total credit card debt paid off was around 14,000, which like I said will take me to 0% utilization. I was hoping to recieve around a 18 point jump but that may be outlandish.
Hi Christy...you've done a lot of good work bringing your score up more than 100 points.
Is there a reason you're keeping the AU card on your reports? If it has a 90-day late, wouldn't you be better taking yourself off the card and having the reporting removed from your reports? How old is the card? Do you need it?
Just a thought...
Christy0828 wrote:
I tried taking my name off the account because the account is closed and they wouldn't remove it from my report.
@Junejer wrote:
I would dispute as "not mine".
+1...I agree.
I would dispute this AU account with the credit reporting agencies as mot my account.