Hi, everyone. I'm really enjoying this forum, and find it to be very helpful! I just ordered all 3 reports and scores: EXP 695 TU 675 EQ 645 My last late (30 days) was 6/01, but I have several accts w/zero balances and delinquencies between 60 - 90 days. These were closed 2001. I have 3 CC's now, 2 are each a year old w/perfect histories, and 1 was opened 1999 with 2 30-day lates from 2001. I have a Crap One charge-off that, according to EXP was charged-off 10/98. However, I paid it off thru a collection agency in 9/98 (said I paid less than the full balance, settlement accepted). I disputed this TL and was able to have it deleted from TU, but EQ and EXP continue to report it. My first question is, since I'm in NY, can I have it dropped from my reports according to the 5-year rule? Would it go by the DOLA or first delinquency? Also, given this history, do I qualify for any prime cards? I currently have Fleet Classic (but have had my checking acct with them for years), Providian (they recently raised my limit by $1000) and another Crap One card. Thanks for any input
Derogatory TL's that are paid will come off your reports in 5 years in NY State, if unpaid they remain for 7 years
