I had a store credit card with one 30 day late payment. I called and managed to get them to GW it off.
They removed it from Experian/Equifax, but not TransUnion. The GW was over the phone, so I have no letter to prove it. How can I get it removed from TU as well?
The other question is, when it was removed, I saw a score boost from 572 to 615! for Experian.
My Equifax score though went from 571 to 565... I compared the 2 reports and it looks like my bank updated a balance on a line of credit I have with them.
I pretty much always carry $0 balance. I had used it once and had a $300 balance, which reported to CRA. I paid it off, then used it again at $400. Experian was reporting $400, but Equifax with my 571 score had $300, and with my $400 balance, had a 566 score.
Does this $100 make a difference over removing a late payment?
Thanks!
