The only date on the CR for the old collection accounts (3 of them are duplicates) is the date open, which all are from 1/1/2002 & 7/1/2001 & 9/1/2001. I disputed the duplicate accounts in February 2007, EQ took the duplicate ones off, but EX said they were verified. I applied for a Cap 1 rebuilder (poor credit) cc and was denied and suggested that I try a prepaid card (on line) Aside from this one request, I haven't even tried to get a cc.
I have a student loan that had late payments on it in 2004 & 2005, I thought I would right a GW letter to them to request the negative activity be taken off, since I have been on time for so long.
Also, I have a old mortgage (began 2001, sold house 3-2007) that has 2 late payments from 2005 one 30 days & one 60 days. This mortgage was paid off with the sale of that house. I have a new mortgage (3-2007) that is not reporting yet. All payments have been on time. I thought I might try a letter to the old mortgage, since it is paid off and the last 2 years of it were paid on time, to see if they would take the negative activity off.
Do you think this will help improve my credit? Also, what kind of letter would I right to the old mortgage?
