grandfinale03 wrote:
Macy's was my first creditor, and after being irresponsible, it was given to collections. This was back in 2005. It was paid and comes up now as "paid, closed/ account charged off" on my credit reports. Is it better to keep it on my report because it shows it was opened in 2003, or is it better to not show up at all? The next credit i obtained was a personal loan from 2004 that is now paid, closed/never late opened in 2004. I guess my real question is: Is it worth trying to get it off of my credit reports, through a good will letter?
You can not take what I am going to say to the bank BUT
I think that between 2005 & now the Macy accounts are now with someone else......usually when they sell their accounts they may only sell or transfer good accounts or open ones with late payments.........remember this is just a guess
Because of this maybe your account info. was lost........If it were me I would disput with all CRAs that are reporting.
read you PM
Message Edited by HappyDays on
02-27-2008 05:46 PM
