greendude

Thanks that helps me to understand. The creditor is Capital One. I'll try talking to them, however not very hopeful since this was a distressed credit account at that time. They dont even want to waive the annual fee on it even now after 10 yrs or swap this product to a non-fee product.

Hi, I have an account 10+ yrs old. It has a late payment 6.5 yrs ago. I was to ask to early deletion. It has good payment history all the way after and I would like that late marker to be removed early since its expected to fall in 6 mths (per 7 yr age) anyway. How exactly should I put in the online dispute to request this ? Or should I do it on phone ? When I dispute it will the whole account go away from my credit file or just the 6.5 yr old late payment entry/marker ? I do want to keep the account on file since it helps me with AAOA as I have a bunch of 2-3 yr old accounts. TIA!!

They do, but real payees would have no problems. For payees that are not businesses like a caregiver for e.g. youd need to send them an invoice from the payee.

It was avail online but I dont remember saying yes... Does it ask you in a popup ?

I had read somewhere on this site that Citibank CLI reqs were SPs. Looks like they do HPs.

Does Plastiq work for you ? Meaning do you have payments you could send on your card instead of cash ?

Bump.

What should be referred email ID be - something different or the same will do ? Since I need it to get attached to the same online account eventually.

Hi, I think there was a procedure to ask for early deletion of Lates when its 6 mths away from fall off date ( i.e. 6.5 yrs from Delinquency Date). The last time I tried it with Experian she just kept repeating like a dumbo it will fall off when it falls off and had no idea what I was talking about. I just gave up and decided to wait 6 mths. There is another couple of lates reaching the 6.5 yrs mark soon on my report. Whats the right way to ask for courtesy deletion. Thanks

Online, 1st card they asked me to call in to confirm I applied and confirm address. 2nd card immediate approval online.

Bump

DW's Comcast acct went to Convergent for debt collection for $175. Its 2 years old. Just showed up and tanked her score. Its the only collection. Whats the best way to deal with it ? TIA.

LOL. Yep they're junk in customer service. I was their banking customer very long ago but that mustve dropped off the records now. Good BT and purchase terms are hard to come by on Business cards that don't report to personal and they're just that. Now after this denial I do want to screw them over for SUBs at some point, they'll be in my sights lol

Well, screw Barclays. But the US Bank denial hurt. They cited the late from 6 yrs ago as the only reason. Thats the only negative on my profile. Average Age isnt great - 5.5 yrs, Oldest 12.5. US Bank Platinum is the best BT and 0% APR business card around.

Very interesting, I didn't know that they meant so little if the rest of the profile is strong enough. Simulation does not show anything making a difference other than waiting for the next 18 mths when a late payment falls off so I don't think I could do anything to make it stronger.