I have a couple of loans from a local bank from 2000 that are paid to a $0 balance, but they both have a 60 days past due 1 time and a 90 days past due 1 time. (They are rated I1 and I2). I know if I dispute these late pays, the bank will not even bother to answer the dispute and the accounts will be deleted - this particular bank usually only bothers with open accounts. Now. my question is this - these are two paid tradelines - would my scores go up if they were deleted? Or would it be better just to leave them as is?
How old are they? What I would do is go to the bank and show them your credit report. Point to those late pays and tell them to prove them. See if you can get a written letter from this stating they weren't late, then send it to the CRAs.
