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Old trade line


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Hello all,

I have a quick question and should know the answer to this but wanted to get a few opinions before I went through with this.

I have an older trade line from AmeriCredit for an auto loan (61 month installment) that has since been paid off in full. The loan was taken to term but is showing a negative trade line on my reports due to 4 30 day late pays that date back to October 2004. The actual late pay dates reported are Aug 02, Jan 04, Feb 04, Oct 04. This TL has been reporting since 8/99 and was last reported on 12/04.

I have disputed the lates a long while back and they came back verifed and remain on my reports stating the TL meets the requirement of the Fair Credit Reporting Act.


Should I try and get this TL delted from my file or will this affect my CR in a worse way fue to the age of the TL? The reason I would do this is to raise my score and do not want to lower it by getting this removed.

What do you think? I wanted to get your advise first before I wasted my time writing letters, certified mail, etc. :?

Thank you in advance, :p


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My opinion is that the age is far outweighing what little the lates might be affecting, under FICO 08 they should have little to no affect on score. If you try to dispute the lates again you may very well loose the trade line altogether. Again just my 2 cents.

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