Re: Two late payments from 2010 on Best Buy card. Do I send GW letter to HSBC or Capital One?
12-05-2012 03:22 AM
Send it to both, it's not going to hurt anything.
If these were 30 days lates, chances are they are not affecting your score much anymore and would only be beneficial during a manual review.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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