Should I wait or take action?

[Anonymous]

I opened a Macys store account on May 2000.  It was late many of times, giving the fact that I joined the Air Force and wasn't able to get that account under control.  I paid it off in full and on my reports it says that last date of activity was in June 2003.  My question is should I wait until the seven year drop off which would be either 2007 or 2010 not really sure which one, or should I try to get them to take it off.  If I should try to get them to take it off my report what is the best way to approach this matter.  I am really trying to boost my credit ratings up before I leave the military in Dec 08.  My credit scores are TU 617(Aug 15th), EQ 684(Sept 7), EX 615(Aug 15th).  Still waiting for TU and EX to update their records since I got a late payment dropped off of my record because of the banks fault.  The Macy's is the only thing that is really hurting me, thanks to anyone how replys!

Message Edited by Brendo on 09-09-2007 03:44 PM

I just ordered my new scores today and they are TU 650, EQ 684, EX 714!!!!!!!!!!!!!!

Message Edited by Brendo on 09-09-2007 04:05 PM

[Anonymous]

If the account was CO  before you PIFd  you would go by that date.

If you PIF brfore CO then the it will drop 7 yrs from the 2003 date

You can get drop off date by calling CRA or by looking at EX or TU CR

Are these scores FICO or FAKO scores???

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Brendo wrote:

I opened a Macys store account on May 2000.  It was late many of times, giving the fact that I joined the Air Force and wasn't able to get that account under control.  I paid it off in full and on my reports it says that last date of activity was in June 2003.  My question is should I wait until the seven year drop off which would be either 2007 or 2010 not really sure which one, or should I try to get them to take it off.  If I should try to get them to take it off my report what is the best way to approach this matter.  I am really trying to boost my credit ratings up before I leave the military in Dec 08.  My credit scores are TU 617(Aug 15th), EQ 684(Sept 7), EX 615(Aug 15th).  Still waiting for TU and EX to update their records since I got a late payment dropped off of my record because of the banks fault.  The Macy's is the only thing that is really hurting me, thanks to anyone how replys!

Message Edited by Brendo on 09-09-2007 03:44 PM

I just ordered my new scores today and they are TU 650, EQ 684, EX 714!!!!!!!!!!!!!!

Message Edited by Brendo on 09-09-2007 04:05 PM

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[Anonymous]

These are my FICO scores.  And they were CO before I PIF.  I really want them off my report!!!

[Anonymous]

   you might have PIF in 2003 but because as it was already CO  it did not re age CRTP.Drop off date will be  2007

dispute it with CRAs  it might just drop now.

[Anonymous]

What is CRTP???

[Anonymous]

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=17466