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crew99
Posts: 54
Registered: ‎12-01-2012
closed Chase cc lates all the sudden showing up on credit report?

‎01-29-2013 03:59 PM

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 4/25/13 | CS 684 5/4/13 | myFico(EQ) 707 5/4/13
Goal Score: 800 Dare I Dream??

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llecs
Posts: 31,430
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

‎01-29-2013 04:52 PM

When were the lates?

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crew99
Posts: 54
Registered: ‎12-01-2012
Re: closed Chase cc lates all the sudden showing up on credit report?

‎01-29-2013 08:12 PM

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 4/25/13 | CS 684 5/4/13 | myFico(EQ) 707 5/4/13
Goal Score: 800 Dare I Dream??

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llecs
Posts: 31,430
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

‎01-30-2013 05:20 AM

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.

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crew99
Posts: 54
Registered: ‎12-01-2012
Re: closed Chase cc lates all the sudden showing up on credit report?

‎01-30-2013 10:01 AM

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 4/25/13 | CS 684 5/4/13 | myFico(EQ) 707 5/4/13
Goal Score: 800 Dare I Dream??

Take the FICO Fitness Challenge
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llecs
Posts: 31,430
Registered: ‎08-04-2007
Re: closed Chase cc lates all the sudden showing up on credit report?

‎01-30-2013 10:29 AM

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

 

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