HECTOR Posted October 9, 2007 Report Share Posted October 9, 2007 I's my understanding that the oc has to report accurate info. but they don't have to report at all. so i can ask them not to report the account but that will actually hurt my fico since it's the only derogatorty item on my report. any ideas?????? Link to comment Share on other sites More sharing options...
momof5 Posted October 10, 2007 Report Share Posted October 10, 2007 YMMV. Mortgages help in points for your variety of credit. 1 - 30 day late hurts only for 2 years. (with each month diminishing the point hit)Depending on your history and sob story, you might get a goodwill adjustment. (Unlikely if you have a new mortgage and a recent 30 day late.)Also, depending upon your current mix of credit, age of credit, etc....removing the TL could hurt or it could help. Link to comment Share on other sites More sharing options...
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