Hello My wife and I moved about 3 yrs ago. Anyway her bill didnt get forward fast enough and yes she missed a 20 payment by 15 days,,so 45 days late. Well i realize that was three years ago and that it really should not make a difference, but her credit should be a lot higher and I just feel there is something I can do. Can I call or she call and see if discover will work to remove this....she doesnt evn have the card anymore? Please any advice thanks
It's worth a try. Write a real nice, apologetic letter and see what happens. As to why her scores aren't higher, there are so many other factors that go into it. Do some research about what makes a FICO score.
