Question regarding collections and late payments....

[Anonymous]

Hi to all again,

I have 3x ca with all balance of 0 and numerous accounts that are closed but still shows 30, 60, 120 day late payment dated back in 2003.  Are there any letters I can send to the credit agancies that reported them, to delete them since they are paid in full and closed accounts?  Any help would be appriciated.  Thanks.

[fused]

Hi and Welcome! Here are some GW (goodwill) letters. They are intended for any baddie that is already paid...collections, late payments, charge-offs and etc. Also, if you haven't read the credit scoring 101 thread in my siggy, please do so...lots of good info.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

[Anonymous]

Thanks again...I will try them out and keep all posted...I hope they work...