I found that I have 1- 120 days late on my CR. The acc. is from 4 years ago and it's a old light bill (electric stoves u gotta luv'em...ughh) that I did even know I owed. Once I seen it on my CR I paid it off almost 1 year ago. Here is an exact copy of what's on my report to me I notice it says OPEN ACCOUNT......................BUT it also shows as PAID! Now I was wondering would a GW letter help to get it fixed/removed? ..........or something else PFD/PIF? and once it is corrected would the 120 remark get removed.
Credit Account Aac Status as of March 2007
Date of last activity Jan, 2004
Largest past balance $182
Credit Type Open Account
Account holder Individual Scheduled payment amount $0
No contact information provided by Equifax
Balance Current Status Past Due Amount $0 120+ days past due Not on Record Seven year payment history 30 days late 0 times 60 days late 0 times 90+ days late 0 times
