hpric Posted September 17, 2003 Report Share Posted September 17, 2003 I have a TL on all my files from BMW that has 8 late payments. The loan was paid in full on 06/02. I already tried sending a couple of Goodwill letters and they refuse to update my file. My question is do you think it would be best to have the entire tradline removed or should I just leave it on there ? Link to comment Share on other sites More sharing options...
timbercreektech Posted September 17, 2003 Report Share Posted September 17, 2003 That question is very relative. It all depends on what the rest of your report looks like. Did you use planet feedback for the goodwill attemps? If it is one tradeline that is bad and you have many long term good ones, I would try and have it deleted. But like I say it is very relative and a hard one to specifically answer. Link to comment Share on other sites More sharing options...
hpric Posted September 17, 2003 Author Report Share Posted September 17, 2003 Well I have several good tradelines and this one has the most recent lates on it (7/2002 was the last late). I'm thinking that it might be best to try and delete and keep a clean history. I'm sure I'll lose some points but my score should go up after a couple of months of on time reporting Link to comment Share on other sites More sharing options...
Swede Posted September 17, 2003 Report Share Posted September 17, 2003 I'm thinking that it might be best to try and delete and keep a clean history. I'm sure I'll lose some points but my score should go up after a couple of months of on time reportingYep, that's what I would do too. 8 late pays, especially this recent, is not good at all. It's about the data on your files, not the score and yes, it will go back up. Link to comment Share on other sites More sharing options...
hpric Posted September 18, 2003 Author Report Share Posted September 18, 2003 I just called Equifax and they told me this tradeline has been deleted. I checked PG and my score went up 80 points from last week. I know it doesn't mean much since it is not Fico but that was a nice surprise. Now I'm gonna try to get removed from TU, Wish me luck Link to comment Share on other sites More sharing options...
Swede Posted September 18, 2003 Report Share Posted September 18, 2003 Wish me luckGood Luck! Link to comment Share on other sites More sharing options...
michigangirl530 Posted September 19, 2003 Report Share Posted September 19, 2003 good luck Link to comment Share on other sites More sharing options...
timbercreektech Posted September 19, 2003 Report Share Posted September 19, 2003 good luckDito. Link to comment Share on other sites More sharing options...
hpric Posted September 19, 2003 Author Report Share Posted September 19, 2003 Pg score just dropped 70 points and nothing has changed on my report Link to comment Share on other sites More sharing options...
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