I have a 120+ day late payment from a former HSBC card on my credit report from about 4 years ago. I called HSBC card services to see about paying it and hopefully getting it removed from my report. The lady on the phone told me that she could not find anything in their system after giving her my SSN. She then told me to fax a copy of the credit report with my phone #, address, and action that I want them to take.
Does this mean that if I fax them and tell them to remove the late payment they will have to do it because they have no record? Please let me know if anyone has some insight into this...
It's most likely a good thing. I just went through this with another CRA. Still disputing on TU, but had it removed from the other two. I would suggest disputing, stating that the account isnt yours and the OC had no record of it.
It was 120+ days late and listed as closed. The score I got was from the Experian website and was the last negative mark on my report which may be why it was so drastic.
It was 120+ days late and listed as closed. The score I got was from the Experian website and was the last negative mark on my report which may be why it was so drastic.
This is definitely true. After getting rid of the last baddie, you were re-bucketed. This opens your score ceiling WAY up. Congrats on the success and huge boost!
Starting Score: 2/2/12 - 551