Had a mortgage with Fleet (1997-1999) which showed up on TU as of 6/19. My most recent TU report lists the same account, but this time under Washington Mutual (all other info the same). I ask because it lists one 30-day late in mid-1998. Which is going to affect my score more: leaving the 30-day late from 1998 or dispute it with the risk of a TL from 1997 being deleted?
Thanks for the info! Any thoughts on the second part of my question -- which is worse, one 30-day late from 1998 or the deletion of an otherwise positive TL which was opened in 1997?
Deletion of the tradeline hurts you more than the 30-day late ... late notations have negligible effect on FICO once they reach 2 year mark
