mj11 Posted April 17, 2008 Report Share Posted April 17, 2008 OC verified my late payment history. What is the next step to try in removing lates if any.Thanks! Link to comment Share on other sites More sharing options...
swirlgirl Posted April 17, 2008 Report Share Posted April 17, 2008 How's the rest of your CR? How old are the late payments? Depending on the age and the rest of your CR, it may not be worth your time trying to get rid of them. Link to comment Share on other sites More sharing options...
mj11 Posted April 17, 2008 Author Report Share Posted April 17, 2008 they are old lates...4 years. I have no lates since but they still show up and one is a charge off. I know they are not affecting my score much if at all but will a lender see the charge off from 4 years ago and think twice?Thanks, Link to comment Share on other sites More sharing options...
swirlgirl Posted April 17, 2008 Report Share Posted April 17, 2008 Lates and a charge off are different. I wouldn't worry too much about the late payments. Is the charge off with a CA or the OC? Have you disputed with the CRAs? Link to comment Share on other sites More sharing options...
mj11 Posted April 17, 2008 Author Report Share Posted April 17, 2008 The charge off is from the OC HSBC/Yamaha. I disputed it with TU and EQ and it is gone. EX won't remove it, I suspect they have not even investigated it. What is the best step to take with EX on this? Link to comment Share on other sites More sharing options...
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