Discover account with 35+ lates

[Anonymous]

When I was younger I had discover card charge off, with many late flags. 

30 days late 6 times

60 days late 7 times

90+ days late 24 times

The balance is 0$ because I settled this account years go.  Should I ask discover to delete the account from all of the 3 CRs?  I read somewhere I should leave it open because the account was opened in 2001 and is one of my oldest account.

What should i do?

[BungalowMo]

When you "settled" the account...did you PIF??  If so, I'd definately ask them to remove.

Message Edited by BungalowMo on 05-07-2008 12:04 PM

[Anonymous]

What does PIF mean?

[Anonymous]

Paid in Full

[Anonymous]

no it was not PIF it was probaly half the amount.

[Anonymous]

I just got the advice to try a goodwill letter. It sounds like that advice might work for you too. Although, I am not sure how much they might be able to remove. But that might be an option if you want to keep the account.

[Anonymous]

I don;t care about keeping the account, i just want to improve my score..so what ever will help my score i will do it

So should I try and have them delte it or keep it on my account?

Thanks

[Anonymous]

Yes send a GW letter.  I just had great success with them.  I had over 12 lates removed, the card never went to charge off status up darn close.  I think once the account is paid they don't want to do the work to prove you wrong.  That is my opinion though.

Michelle