GW a closed account

Aug 202010
 

I am enrolled in a legit DMP. My score has already gone up 40+ points because of paying down debt. I’m getting to the point where two of the accounts are about to be completely paid off. Those two accounts are showing a couple 30s and 60s from over a year ago. They are not old accounts. Would it be worth it to ask the creditor to remove the TL completely so the baddies will go away? Has anyone done this?

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Capital One and -8 points!

Apr 172010
 

Hello All,

 

I had a Cap 1 account go to collections in Aug of 2006. I PIF Feb 2007. Cap 1 reported a 60 day late in March and Apr. My score has recently dropped 8 points because of these lates. Can Cap 1 report late on an account that’s been PIF for over three years? What can I do to get them to stop this? Thanks in advance.

 

-The Chairman