Cards been open 90 days, 3 statements.
3K SL
Charge 2-3k per month, PIF before statement cuts.
Asked for a CLI on day 91, Denied CLI... Hmmm...
They denied me because another account showed a 30 day late in July 2016.
This account wasn't actually late, it was IIB 5 years go, and was mistakenly marked late (it's closed, long story)
Regardless, they (the CU who marked a closed account late) finally fixed the "late" Tradeline by removing it from Equifax .
But now Cap1 thinks I had a late payment in July with another lendor... Which i didn't...
I checked my credit a day after getting the denial email, and iEquifax shows it has been properly removed, no late's for nearly 5 years (student loans)
I think this late wasnt removed when I applied for the CLI.
I tried again for the CLI (now that Equifax has it removed), still denied.
Same reason...
How long will cap1 hold this "erroneous 30 day late" against me?
I know it's been removed, I pulled myFICO and Equifax, the tradeline is gone completely.
I dont need the CLI this instant, but want the card to grow sooner than later.
