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AU on old past account

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loubee
Regular Contributor

AU on old past account

HI
I was/is an AU on ex hubbys c/c this is one of my baddies on my report im wondering if due to date it will fall of my report soon or wether I should try and remove myself from this account or dispute lates as I was only a AU
 
ac opened 5/95
dola...04/2002
past balance...$1000
lates 30x1  60x1  90 x9
 
please need some advice for this one
 
fico score...tu0/ex/649 eq 667 as of 18/11
now tu0/ex649/eq 687 as of today woooooohoooooooSmiley Happy                                              
Message 1 of 6
5 REPLIES 5
Anonymous
Not applicable

Re: AU on old past account

If you are only the AU on the account you most likely can successfully dispute it.
Message 2 of 6
loubee
Regular Contributor

Re: AU on old past account

thx brammy, I new you would answer you always doSmiley Happy
do you think looking at the time frame of this account it is hurting my f/scores majorly?when would this fall off my report, .......I know so many questionsSmiley Surprised
 
Message 3 of 6
Anonymous
Not applicable

Re: AU on old past account



loubee wrote:
thx brammy, I new you would answer you always doSmiley Happy
do you think looking at the time frame of this account it is hurting my f/scores majorly?when would this fall off my report, .......I know so many questionsSmiley Surprised
 


 
Its going to depend.  Is this the oldest account on your CR?  If so leave it.  In two years the negs wont matter anyway and you won't lose history.  On the other hand, once FICO 08 hits, its all a moot point.  But even a negative, if it is your oldest account is probably helping at that age.

Message 4 of 6
loubee
Regular Contributor

Re: AU on old past account

brammy
 
this is not my oldest account, I have some the year before in good standing,
what to do what to do, lol
Message 5 of 6
Anonymous
Not applicable

Re: AU on old past account



loubee wrote:
brammy
 
this is not my oldest account, I have some the year before in good standing,
what to do what to do, lol


 
If it is close, it will reage your credit file somewhat. If you just dont like the uglies, by all means dispute it.

Message 6 of 6
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