Hi... I have these TL that are confusing, because they are not listed in EQ as being negative, yet I dont't know if I should fight to have them removed because they do have some late pmts... They are as follows: New Century Mtg Open account Pays as agreed Opened in 2004 2 30 day late pmts Chase Mortgage Closed account Pays as agreed Opened in 1992 Several late payments I don't know if I should fight it because this is my oldest account, according to what I have read, how old my credit history is counts a lot....
On the currently open account, are the late payments accurate? Do your reports show the exact months they are reported late? Were they actually 30 or more days after the due date? I would expect an existing mortgage servicer to be more responsive in fixing erroneous reported information without removing the whole TL. It is in their interest to maintain the TL on an open account.
Yes these are real 30 day lates. The question is, how do I request to fix lates without them removing the entire TL
How old are your lates on the closed Chase Mortgage? You might see if the FICO simulator, available via myFICO.com, can tell you what negative effect the lates are having relative to the positive effect of the account history. For your recent mortgage, you might see if a goodwill letter will get them removed, especially if you have a good payment history since.
