Old Closed Accounts w/ Lates - course of action to take?

[misspixyee]

Hey guys -- I'm still trying to figure this all out so forgive me. I did a search and found one thread that partially tells me what I need to know.

My question:

I have an old closed account (Open 1998/ Closed 2000) it has a 30 and 60 day ding -- but the account's status is Paid or Paying as agreed.

I have another one from First Premier Bank (Open:2001/ Closed: 2002) and another from Victoria's Secret (Open: 1998/ Closed:2002)

I have no idea what I should do with accounts like these. Do I send a Good Will Letter or do I requests deletion from CRA due to age? Do I simply do nothing and leave them on y account even though they have negative impact.

Any advice welcome

Thanks much.

[TTigggers]

Being that old they shouldn't have much of an impact.

You need good TL's that are older so don't mess with them.

The 1 that has the late's you could dispute as "never paid late" but chances are it will just be deleted which may hurt your score.

[kb9tbq]

I would suggest sending a good will letter and trying to save them that way, don't dispute direct with the credit reporting agency or you risk the account being deleted and if good will don't work then after 7 years these accounts would revert to positive and still remain another 3 years without any lates listed.

[misspixyee]

Thank you both -- speaking of good will letters -- is it a general rule that they are always sent to the CEO?

Thanks much

[ShortBus]

I normally send mine to the COO. 1) I've worked with C-level execs enough to know that the COO is the one who really gets things done around a corporation and 2) I assume that the CEO gets *a lot* more mail than the COO, so there's a better chance mine might actually get read.

[misspixyee]

Thank you - that's an excellent tip! I was wondering - CEO or COO or President -- speaking of which -- how are you guys getting the names of these people and their address. I'm using Hoovers.