Ask wells fargo to delete my credit info from credit reports?

[Anonymous]

I had a wells fargo credit card I opened on March 2016 for $500. The account was closed on Sept 2018. between that time I had 2- 30 day lates,1-60 day late and 6- 90+ day lates starting from July 2018 to March 2019 . I did a reage in Jan 2019 to get the card back current. I paid the balance of October 2019. My question is this. I have tried goodwill letters to get the lates removed with no success. Should I ask wells to delete the account from my credit? Would it help my score if they did?

[silver_idle]

Its rare for a creditor to remove a credit line from a report if its current. You would have more of a chance of having it removed if it was CO. You could try a GW to remove the past due marks or even try doing a GW to having it removed altogether, but its hard to say if they will or not, but keep in mind, they arent obligated too. As long as the information reported is correct and accurate, they dont have to remove or update anything.

[Chestnut1]

What does this accoutn show as on your Credit Reports ?. Does it have On Record Until Date ?.

I'm asking because i'm in the same situation. With BoFA. Has multiple Lates 30/60/90/120/150s. Account got closed in early 2013. However, i paid all the balance slowly and finally caught up in 2018. I've no idea if this account will fall off after 7 years or if it will stay till 10 Years on my report. Read somewhere that Closed NEGATIVE Acount if paid will drop off in 7 years. but not sure. 

I was thinking of GWs to BoFA but i know prety much that they WILL trash my GW Letter in to the Dustbin. So here i'm. I will follow this thread to see what others has to say.

[silver_idle]

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@Chestnut1 wrote:

What does this accoutn show as on your Credit Reports ?. Does it have On Record Until Date ?.

I'm asking because i'm in the same situation. With BoFA. Has multiple Lates 30/60/90/120/150s. Account got closed in early 2013. However, i paid all the balance slowly and finally caught up in 2018. I've no idea if this account will fall off after 7 years or if it will stay till 10 Years on my report. Read somewhere that Closed NEGATIVE Acount if paid will drop off in 7 years. but not sure. 

I was thinking of GWs to BoFA but i know prety much that they WILL trash my GW Letter in to the Dustbin. So here i'm. I will follow this thread to see what others has to say.

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To my knowledge, an account closed that was in good standing will be removed in 10 years, while an account closed with late payments will be removed in 7 years.

[Chestnut1]

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@silver_idle wrote:

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@Chestnut1 wrote:

What does this accoutn show as on your Credit Reports ?. Does it have On Record Until Date ?.

I'm asking because i'm in the same situation. With BoFA. Has multiple Lates 30/60/90/120/150s. Account got closed in early 2013. However, i paid all the balance slowly and finally caught up in 2018. I've no idea if this account will fall off after 7 years or if it will stay till 10 Years on my report. Read somewhere that Closed NEGATIVE Acount if paid will drop off in 7 years. but not sure. 

I was thinking of GWs to BoFA but i know prety much that they WILL trash my GW Letter in to the Dustbin. So here i'm. I will follow this thread to see what others has to say.

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To my knowledge, an account closed that was in good standing will be removed in 10 years, while an account closed with late payments will be removed in 7 years.

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Thank you. That's what my understanding is. however, i do not see "On Record Until" date for this one account on ANY of the credit reports. Tried calling CRAs, BoFA (Various departments) but ended up empty handed. At the moment, i have no clue. Honestly.  Also, I'm not sure if i want to send an GWs for lates since this account that i'm speaking about is at the cusp of aging into 7 years from the DoFD. Appeciate your response.

[silver_idle]

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@Chestnut1 wrote:

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@silver_idle wrote:

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@Chestnut1 wrote:

What does this accoutn show as on your Credit Reports ?. Does it have On Record Until Date ?.

I'm asking because i'm in the same situation. With BoFA. Has multiple Lates 30/60/90/120/150s. Account got closed in early 2013. However, i paid all the balance slowly and finally caught up in 2018. I've no idea if this account will fall off after 7 years or if it will stay till 10 Years on my report. Read somewhere that Closed NEGATIVE Acount if paid will drop off in 7 years. but not sure. 

I was thinking of GWs to BoFA but i know prety much that they WILL trash my GW Letter in to the Dustbin. So here i'm. I will follow this thread to see what others has to say.

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To my knowledge, an account closed that was in good standing will be removed in 10 years, while an account closed with late payments will be removed in 7 years.

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Thank you. That's what my understanding is. however, i do not see "On Record Until" date for this one account on ANY of the credit reports. Tried calling CRAs, BoFA (Various departments) but ended up empty handed. At the moment, i have no clue. Honestly.  Also, I'm not sure if i want to send an GWs for lates since this account that i'm speaking about is at the cusp of aging into 7 years from the DoFD. Appeciate your response.

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You would want to pull your report from freeannualreport.com. That would have the DOFD as well as "On Record Until." You might get lucky and see it online from the CRA website directly but hard to say since they may not be upfront with that info. Atleast the date when it is due to fall off. The DOFD should show up on your credit report. You may want to check your credit report for those creditors if they havent fallen off yet and look back at the reported payment history to determine the DOFD. Calling the CRA should help (though you did say you tried calling) since that information would generally be reported.

[FireMedic1]

WF is not know to delete tradelines and they have a very long memory if you ever want to get back in with them. Having that many lates and the rehab program. It probably wont happen. Sorry. They are a tough nut to crack.

[OmarGB9]

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@FireMedic1 wrote:

WF is not know to delete tradelines and they have a very long memory if you ever want to get back in with them. Having that many lates and the rehab program. It probably wont happen. Sorry. They are a tough nut to crack.

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Good thing their products aren't that great anyway.

[FireMedic1]

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@OmarGB9 wrote:

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@FireMedic1 wrote:

WF is not know to delete tradelines and they have a very long memory if you ever want to get back in with them. Having that many lates and the rehab program. It probably wont happen. Sorry. They are a tough nut to crack.

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Good thing their products aren't that great anyway.

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Got that right. Nor is/was their management. LOL!!!!!!!

[Anonymous]

sooooooooooooooo  Im stuck with it lol