@Anonymous wrote:
So after rebuilding my credit from 5 years ago with several 90+ day lates on my credit report from several credit cards. I had all serious late remarks removed within the last 2 years with lots of hard work and many letters. My only lates remaing are three 30 day late remarks 1 from 2013 which will be gone soon, and 2 from 2015.
So now that my credit score is in the low 700s, I have started asking for some CLI on my current cards. 2 requests were denied due to "serious delinquency."
No where can I find any serious deliquency on my credit report is it possible the ghosts of some of my previous 90+day lates are still floating around on some of the reports and I cannot see them?
I never heard of three 30 day late remarks, one from 7 years ago and 2 from 5 years ago being considered serious?
Serious delinqiency may also come from a CO/Repo/CA. Do you have any of those? I know my SO got the "recent delinquency" message until his last late hit 5 years old. I will double check to be certain, but the message just dropped in the past month or two.
Edit: just double checkdd and his last reported late was 3 years and 10 months ago.
Regardless, it could possibpy vary from lender as to what they consider as "recent".
Lastly, if you pull all 3 CRs from annual credig report, they are the only reports that will also show the SPs for account reviews from your creditors. Depending on how recent you had those lates removed and when the last SP was from your creditor, that could be the issue. Often, creditors do not do a fresh SP when you do a CLI (unless it is a HP for the CLI). They go off the data from the last SP they did on your CRs. So perhaps they have an old SP. You can see how often your creditors SP from those CRs and try again after the next SP.
Good luck!
