3 Accounts Deleted,Score Change of -15

[oceanlover]

Checked my CR and noticed 3 collections were removed, YaY.

Two accounts due to the CA not longer owning them, email president, removed within 2 days.

One account because it is past CRTP this month.

Thought, I'd check my score to see the change. -15!!

Began comparing reports and realized the account that fell off was my OLDEST account! NO!

This is when I realized that all my baddies are due to fall off this year, which will leave my oldest account as being 5 years old!

So, I am assuming that as each one falls off, I'll lose age and see a score decrease.

Sigh, but I guess having the baddies off are worth it, it will bounce back. After this year, only good accounts left.

However, I have a question. I have an old Providian card that was C/O if 2001. I was young and dumb and it was C/O within a few months of having it. CL of $300

Would I have any chance with Providian re-opening this account if I paid it?  Is there a sample letter to use to ask a OC to do this?

Thanks!

[Anonymous]

Providian is now Washington Mutual. From posts on here they blacklist people that have had charge offs with either Providian or Wamu. But it would not hurt to call and ask.

Yo can also send goodwill letters to all creditors that are reporting baddies and ask to have the bad info removed. Since the info is due to fall of this year anyway you may have a decent chance of getting it removed early. Even if it lowers score due to decreased age it will start climbing sooner.

Message Edited by cowpaddi on 03-07-2008 11:42 PM