Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  • Content Count

  • Joined

  • Last visited

About mikewilkes

  • Birthday December 6

Profile Information

  • Location
    Houston, Texas

Recent Profile Visitors

353 profile views
  1. Yep...I was hoping there was a way to get it back. They surely loved reporting it with negative 😂 Thanks!
  2. Hedgemony, Yes, the late was removed due to age. It was scheduled for deletion on 7/2019 so I patiently waited for the 84-month mark. It only had a single negative. Yes, getting the account dropped by the other 2 bureaus is what I am hoping not to do if I dispute it.
  3. Hi everyone! I finally had a delinquency (60-day late payment in 7/2012) on a student loan, with ACS Education Svcs., removed from my reports. Apparently, the account has been properly updated by Equifax and TransUnion but Experian has deleted the ENTIRE account 😯. It was a good account (opened is 2004 and closed in 10/2012) so it should still be reporting as a paid account. Is it possible to get this account restored by Experian? I was thinking I should create a dispute, regarding the late pay (still appearing on my EX report), with the creditor so they can update my account information with Experian. Is that a good idea? I don't want the other creditors to remove the account due to the dispute process.
  4. I'm sure I have seen this before but I am unable to locate the post.... Which credit card companies, other than Chase, report PIFs before the reporting date?
  5. My first and oldest CC was a Chevron/Texaco Synchro gas card (from back in college in the mid 90s) with a $100 credit limit. Previous CLI requests would have resulted in a hard pull for a minimal increase so I never used it. After reading this post, I hit the luv button last week to request $30K (expecting the lower amount on a gas card) and they countered with a $400 increase. Finally, an increase with a $500 credit limit and no hard pull on my credit report 😁
  6. I hit the luv button on my Citi card (every 90 days) to receive the highest CLI ever for this particular card ($4K). $18,260 ---> $22,260
  7. This happened to me as my home was in an area affected by a natural disaster. Even though my home suffered slight damage, my payments were made in full as usual. I called the creditor directly and explained the issue as I never missed a payment. The next day the remark was removed.
  8. Yep, removed. The creditor most likely corrected their error. If it wasn't an error, that is even better.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information