Contributor
crew99
Posts: 76
Registered: ‎12-01-2012
closed Chase cc lates all the sudden showing up on credit report?

This is strange.....I have my last month's experian and transunion and the most current ones, everything is the same except now I have a new derog from chase....it's never been on any of my credit reports before, but could it be since I applied for a chase credit card(and was approved) they somehow realized that they didn't report it to the credit agencies before?  2 30 day lates....ugh.  This is from a closed chase credit card back in 2010.  Any suggestions on what I can do to try and delete it?


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 695 12/2/13 | CS 721 12/4/13 | myFico(EQ) 685 12/22/13
Goal Score: 800 Dare I Dream??


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Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

When were the lates?

Contributor
crew99
Posts: 76
Registered: ‎12-01-2012
Re: closed Chase cc lates all the sudden showing up on credit report?

Jan and Sept of 2011


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 695 12/2/13 | CS 721 12/4/13 | myFico(EQ) 685 12/22/13
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

Might be worth a GW. I'd only do so though if I were still making payments. I'd hate to send a GW and delete the entire TL instead.

Contributor
crew99
Posts: 76
Registered: ‎12-01-2012
Re: closed Chase cc lates all the sudden showing up on credit report?

the entire cc was paid off in full by oct 2011.  It's already been closed.  Even if they delete the entire TL, it would get rid of these 2 late payments that's now going to be until 2017 probably no?


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 695 12/2/13 | CS 721 12/4/13 | myFico(EQ) 685 12/22/13
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

How old is the TL and how would it impact your AAoA if deleted?