1 30 day late with them last October said they didn't receive the payment and marked me late. Anyone here have any experience with them on getting the late off. Sent them a good will letter but expecting a denial. This is the only thing on my credit report and its killing me. Please share you experience with this company if you have any please.
Raz.... If it's a year old it's probably still dinging you but not as badly as you think.... Is this the ONLY negative on your report?
High utilization, haven't been charging anything to the credit cards, but AMEX keeps slashing me. costoco card balance :35k @ 15.99 went from cl of 40 to 36,800.00 clear @ 6300 @ 10.99 cl went from 10k to 6,800.00 been paying $1000 on the costco card and $500 on the clear, the finance charge eats a chunk of it though.
Raz..... I hate to say it but that's probably what's killing your score..... The Mort. late more than likely is dinging it a *little*........ But high CC utilization can really put it in the toilet.....
trying to pay it off as quickly as possible but AMEX won't budge on the rates. I don't want to apply for any more cards as it would make the score go down even more.
