Hello all!
I currently sit at a comfortable 740 with a broad portfolio of cards. I started with a 530 score in 2015/2016
(Ranged from oldest to newest)
!- Capital One Secured Platinum (MC): CL $506 (one 30-day late payment from 2016)
!- Bank of America Platinum (Bankofamericard VISA): CL $800 (one 30-day late payment from 2016)
- Capital One QuickSilver One Platinum (MC): CL $500 (Recently bumped up automatically from $300 CL)
- Petal Card (VISA): CL $2,000
- Chase Starbucks Rewards (VISA): CL $2,500 (Recently bumped up automatically from $1,500 CL)
- AMEX Gold (Rose Gold Special): No pre-set spending limit (charged up to $6k in one month, always paid in full)
- Chase Sapphire Preferred (VISA Signature): CL $9,000
* Utilization across the board is less than 2%. I always pay balances in full.
My question is, the main factor hurting my score is the 2 30-day late payments on my 2 oldest cards. If I close those accounts my average account age and my oldest account age would be affected, but getting rid of those 2 late payments is a good thing... any thoughts?
Interesting situation, I was out of the country on a mission trip with my church.. came back after a 2 months and got those 2 late payments (just netflix and another service). Proceeded to pay in full everything when I got back to the country...
Should I try to call Capital One and BofA, or should I email them? Any tips on goodwill requests?
