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USBank 30 day remove

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USBank 30 day remove

I went through a rough patch during 2012-2013 where I had many 30 and 60 day late payments. The last of these was in 2013. However, as I still had a balance remaining on my USBank Visa, last year I completely forgot a payment and it generated a 30day late on my report. Anyone think I can do anything about this? Ask USBank for a goodwill delete? Any other option?

Message 1 of 4
3 REPLIES 3
Established Contributor

Re: USBank 30 day remove

Those lates should fall off this year or next year but yes a goodwill will be the next option instead of waiting until they fall off.






Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


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Message 2 of 4
Senior Contributor

Re: USBank 30 day remove

Havent seen too much about US Bank GW's. Depends how long of a memory they keep. Maybe after they all fall off. Then try. More than likely they wont while the others are still reporting. Again that is do they hold grudges.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 3 of 4
Established Member

Re: USBank 30 day remove

I just tried to GW US Bank on an old secured Visa card for a single 30-day late in 2014 via email to the EO. It was declined. They also sent proof in the form of old statements, so I would say it's worthwhile (always) to try, but from my expereince, probably won't be successful.

As of 4/2/2019: TU8: 638 EQ8: 660 EX8: 673
2/2018: TU8: 491 EQ8: 461 EX8: 464
Rebuilding since: 02/2018

Citi Costco: $5.5k | Discover it: $2k (Graduated from secured 5/2019) | FPB: $675 | CreditOne: $300 | Target REDCard: $300 | PayPal MC: $2k
Discover it Chrome AU: $2.1k | CreditOne AU: $650
Wells Auto: $18,500 | Capital One Auto: $15,300
Message 4 of 4
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