getting Providian lates removed.

Nope. Other than a nutcase letter if you don't have the card anymore.

I am trying to get rid of some lates too.

 

I would wait about a month and see what happens. Providian seems to be updating peoples accounts to paid as agreed for some strange reason. My account with Providian which was charged off for about two years has recently been updated to paid as agreed and is showing under the satisfactory accounts area. It does not indicate that the account was sold.

 

I wrote about Providian in a post a month ago - the account was charged off, then I paid 1/2 of the $2390. Credit reports all showed settled for less amount/chargeoff.

I disputed with a Pshc Doc letter saying that tradeline was reporting inaccurate and now the acct has been deleted on TU and EX now I'm trying to have it removed from EQ.. Hooray. I also revised another Pshc Doc letter and got my Chpt 13 removed from TU and EX!!

 

I have an interesting twist on the Providian late problem.

Providian was reporting 1 30-day late from 7/2001 on a relative's Visa (Isn't it funny how a lot of us on this board have become the family expert on credit issues.)

I disputed last year and they verified. BTW, July 2001 was actually the month that my relative paid them in full (approx. $3200) and curtailed using their card. She did keep it open, however.

Last month, the card was stolen and was replaced with a new Visa with a different account number. Originally, it showed R0, too new to rate. Now, it has updated and shows OPENED 10/02, UPDATED 10/02 but with 1 30-day late from 7/2001.

I disputed as duplicate and can't be late from 2001 if opened in 10/02. They verified in about 3 days.

So now, it looks like there are two accounts, both of which were late. They also both show the balance due, so that's duplicated as well.

Any suggestions on how to challenge this one?

Greg