I am writing my local Equifax affiliate about a cellular phone bill from 5 years ago. The trade line stated late 60 days one time. Should I state that I have never been late, or deny any knowledge of the account in the hope that Airtouch no longer has records from 5 years ago?
Personally, I would go for the "never late"... it is more likely that they will be unable to verify the late pay vs. not locate the account info at all. Besides, if they remove the late, then it becomes a positive tradeline and you are golden.
