Hi, I've been lurking on this board about 4 months. It's been very helpful. But I have a question about some deliquencies. Last week I went kinda crazy and applied for 4 cards. Amex Blue, Chase, Citi, Fleet I was approved for Citi and Fleet. They pulled Exp which is clean. Amex and Chase pulled Eqx and TU and I was denied. On Eqx I have lates for 2 cards with a paid collection. The cards are paid off. On TU the lates are just there. My question is if I tried to do goodwill, can they insert the baddies into another report? Specifically Exp. I had decided a while back that I was just going to wait and let the lates fall off. But after applying for cards and not receiving them I really want them off now. But I am afraid that baddies will be inserted into my clean report. Can they do this? Has this ever happened to anyone? Or am I just paranoid? thanks
I'm no expert, but maybe a way to avoid alerting the OC to the one "clean" TL would be to avoid contacting the OC directly. Maybe instead of a goodwill to the company, you could try disputing with the CRAs. Tell TU and EQ that the accounts were never late and see if they don't get cleared up that way. Just a thought ... maybe you have already tried that. peace, delilah
Do the credit cards with the lates not appear on the TU at all? Maybe those credit cards don't report to TU; Who are they with? Are the cards with the lates closed, or just 0 balance? How old are the lates?Have you tried disputing the lates through the CRA? I would do that first, if you haven't. Sorry I don't have any real answer for you, could use a little more info.
The cards do appear on both TU and eqx. The collection just doesn't appear on TU. The cards are discover and dillards. They are balance of 0. Discover is closed but dillards is not. These were lates from 1999. I haven't tried to dispute them. I was just paying them off. Wouldn't it be to late to dispute since they are already paid? thanks
I don't think its too late to dispute because you are simply disputing their recording-keeping. They are reporting that it was late X times, you are disputing that it was never late. since these alleged lates were from 1999, they may not have records to prove it and thus, the late notations will disappear. good luck. peace, delilah
