I have been working on clean up for the past 6 months or so - scores have gone from high 400's to mid 600's Got rid of the low hanging fruit. A few lates simply won't budge. All 30 day. Tried simple stuff - not mine, never late, etc. came back verified. Requested verification procedures on individual accounts by CRRR - rec'd a stack of canned responses back. HELP....not sure where to go from here. Any ideas???
Hi Dragracer, Congrats on your successes so far. Tell me, are the accounts for these lates paid and closed? And how old are they? Or still open and on friendly terms. ???
Creditor / status / Date Late HFC HELOC Closed 1x30 8/03 Cap 1 Closed 2x60 1x90 1x120 12/97 Citi Closed 1x60 1x90 11/97 Prov Open 1x30 9/03 Prov Open 2x30 1x60 12/99 Cap 1 Open 1x30 7/03 HH Open 3x30 12/01 All open accounts are current. All zero balances on closed accounts. Thanks for any suggestions on removing these - they are killing me.
Creditor / status / Date Late HFC HELOC Closed 1x30 8/03 Cap 1 Closed 2x60 1x90 1x120 12/97 Citi Closed 1x60 1x90 11/97 Prov Open 1x30 9/03 Prov Open 2x30 1x60 12/99 Cap 1 Open 1x30 7/03 HH Open 3x30 12/01 All open accounts are current. All zero balances on closed accounts. Thanks for any suggestions on removing these - they are killing me. ___________________ The lates from 1997 and even 1999 aren't hurting your score according to experts here and on other sites. I think it's just within two years that really hurts your score. Have you tried goodwill letters?
From what I understood, most of the impact is from positive/negative information in the last 3 years (save for public records).
