I live in the south and the majority of place here use equifax as the CRA they check when you apply for credit. Ive been turned a few times over the last few months and the reason Im getting is a history of late pays. I have one late pay on one credit card and it was in 10/01. Other than disputes, is there a way to get this removed? Is there a point where the late pay doesn't carry the same weight? The card company is first premier and I dont really know if they are hard to work with or not. Any info will be greatly appreciated
Try sending a Goodwill Adjustment Letter. You should have no problem getting this late deleted if you've only had one and your current now. Check out this thread for explanation http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=191627#post191627 good luck
