@BeingMaryJane wrote:i sent goodwill to get lates removed from a creditor. They deleted one of the lates ( a 60 day from 3 years ago) and left a (30 day late) from 2 years ago. The account is paid off and reflected that way on my CR. I got a SW alert that my score decreased 45 pts... After I regained consciousness I checked my report. Now the TL only has 1 30 day late ever on it but they updated the last activity date and description on the account from "closed or paid account/zero balance" to "closed or paid account/zero balance - account closed by credit grantor".
Is is it the latter piece that hurt my score? That's the only thing that changed .. Because I would think getting rid of a 60 day late would make the score go up not down... Should I write them again to ask them to remove this description? EQ is the only CR where the y have the closed by credit grantor notation.
Any input would be appreciated.
The status date came current so in Ficos eyes it looks like a new CO or problem account. The closed by comments have no bearing on Fico scoring. You need to continue GW letters until that last 30 day late is gone.
