The bad news is the problem I'm having with EQ getting the last derog removed. 120+ late showing on an old paid student loan. CSR tried telling me that it was the previous status. I asked her why with it being my only negative, MyFico gives 2 negative reasons for my score, both referring to the 120 late. She doesn't know, but will investigate that as well as the status. GRRRRRRRRR!!! Called the OC today, may have screwed myself with them. Long story. Good news, I was going to wait to apply for the GM card until this was resolved, but after my dealings today with the OC I figured I had best try and take advantage of my 750 score with the late status in dispute. APPROVED FOR $6,000.00 =) Gib
Well, I tried to BS the CSR about the loan being rehabbed, hoping for the tradeline to be deleted all together. I did make 12 payments then paid off the loan. She informed me that that the balance had to be more than $500 at the time of payoff for it to be rehabbed. On Equifax, it is being reported with the 120+ days late, but CLOSED BY CONSUMER. She will likely make sure they update to PAID COLLECTION. She did slip me a bit of information to use against them though, They used RMA to collect on this and RMA was reporting. She said they couldn't report by federal law. RMA was the easiest CA to get deleted so far. OSFA/EDS is the OC and won't budge. Gib
