@Anonymous wrote:ugh, Amex won't drop off until 2023. Stinkers. It went delinquent in 2014 and she paid it in full. I'll dig more into why it won't fall of until 2023. The delinquency was first reported on December 1, 2014. I thought that's the date from which the 7 years begin. Chase didn't cite that as a reason for the denial, just GAP, BR and Citi.
It is if the account was never brought current. Did she go delinquent, then catch up, then go delinquent again sometime in 2016?
@Anonymous wrote:
@OmarGB9 wrote:
@Anonymous wrote:Digging a bit more, EX says the Citi account will drop Nov 2021, whereas TU says it'll drop 04/2021. Maybe I'll suggest she do goodwill with GAP and Banana and see if that gets any results with those accounts. I'd rather not cause her to do anything adverse if some stuff will drop off within the next year.
I'm assuming you got those dates from official AnnualCreditReport.com reports? If so, then EX can be EE'd Oct 2021 (EX builds in 2 months of EE into that date, and they allow up to 3 months total of EE), and TU can be EE'd the month it says, 4/2021. I'd just hold off. Certainly don't dispute anything accurate, can't talk about that here and more importantly, it'll come back verified and bring her scores down as mentioned above.
Real quick, TU offers 6 months EE from "estimated date of removal", so 10/2021 and EX offers 3 months EE, but since 2 months are already built in to the "on record until" date, you can only call in and request it 1 month prior to that date.
I only say this, as me and my SO have done this recently.
Right, I know about EX. Perhaps I didn't explain very well. I meant they offer 3 months EE total, with 2 already included in their "estimated date of removal," thus only allowing for 1 month earlier than that date.
I was confused on TU; I thought their "on record until" date already reflected the 6 months EE for some reason. 
We just contacted BR via their online chat and this is how it went...they never updated the removal of the late payment from earlier this year. They stated it would update end of this month and we confirmed that it would update with all three bureaus and they said yes. While we were at it, we requested a CLI and went from $2,500 to $3,800.
So success out of our first try, with the added bonus of the CLI.
Now to tackle goodwill with GAP, that card is closed so we'll send them letters. Sync is literally down the street from us, maybe we'll pay them a visit 
just kidding