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#1
07-04-2009, 04:39 PM
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Need input
I have one account that Was delinquent/derogatory should i remove it from my credit? If i do remove it what type of impact will it have on my score. Here is the item thats showing delinquent in my credit
Account Name: REPUBLIC FINANCE Account Number: 654054XXXX Acct Type: Installment Acct Status: Monthly Payment: $208.00 Date Open: 12/1/2000 Balance: $0.00 Terms: High Balance: $5,004.00 Limit: Past Due: Payment Status: Pays account as agreed Comments: 24-Month Payment History ? Legend Date: Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul 01 01 01 01 01 02 02 02 02 02 02 02 02 02 02 02 02 03 03 03 03 03 03 03 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK 
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#2
07-06-2009, 03:04 PM
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try to do a goodwill letter. maybe they agree to do an adjustment to show that you were never late in paying. your account is currently in good standing so it contributes to a positive credit score. if you have it deleted, then it might negatively affect your credit score.
good luck! 
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