So, I had previously had some 30/60/90/120 lates back in 2013/2014/2015 that have mostly fallen off from both Experian and TransUnion. All that is left on any of my reports are:
TransUnion - 1 total 30-day late (May 2016)
Experian - 1 total 30-day late (May 2016)
Equifax - 4 total lates (Jan 2015 - 90 days late, Feb 2015 - 120 days late, March 2015 - 120 days late, May 2016 - 30 days late)
So TU and Exp are pretty solid, while 3 lates from Equifax will fall off in the next few months (I would love to accelerate, but can wait on these, as I know Equifax won't budge on EE).
All that said, I will have to wait a while (essentially, til May 2023) for the 30-day on all 3 bureaus. I'm anxious to get it off, because it will be the FINAL item in my rebuild.
I've written GW letters to CapOne a number of times (to the CEO, etc.), and they've called to tell me that they evaluated the situation, but won't remove. I'm trying to figure out next steps. Do I keep pushing, and is there a down side? Not sure this is impacting me all that much, after all this time, but I do want to buy a house in the coming year if possible, so I could use some guidance, input from the experts!
