Redamagon wrote:
Yeah, all you have to do is call them and say you want to reopen your account. If closed with a balance in your account, it will become debt. It does not matter if you closed or not because it will appear on your credit report either way. So, if you are worried about the lates on the account, it will show anyway.
Understood, they will still show, but they show now as stagnant, no activity. Thirteen lates in the last 24 reported months. Last payment May 2006 and no activity after that except for the Paid notation. The last month reporting is July 2006. It will report like this for the next 6 years and then drop off of my reports.
But if the card is reopened it will (hopefully) start reporting the new activity for each month and the old bad months will start to drop off as that 24 months of history moves forward. Correct? or am I missing something?
I will try it.....it's worth a shot
ctRob