Hello all, I just recently finished cleaning up my credit and I decided to check my wife's credit to see how her reports look. We didn't expect any problems, but low and behold there are two accounts that show "was 30 days late, now current". These accounts are reporting accurately but we didn't realize that the accounts had gone past 30 days when we paid them. What is the most effective way to deal with a relatively recent 30 day late on an account? The accounts are both current and active now. Any help would be much appreciated! Thanks.
The best way to handle this, IMHO, is to use the Goodwill adjustment letter. I had the same situation with my wife's report. She lost her job in 1999 and was 30days late on 7 of her CC's and since has paid them all off. We had great success using this method and we actually noticed a significant change is her scores! Here's the link http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=191627#post191627 Good luck!
