Jump to content

Getting a 30 day deliquence notice (original creditor) removed after creditor refuses


masonuc
 Share

Recommended Posts

Here's my situation. I have good credit and have used it buy several investment properties. I am looking to buy a few more but need a middle score of 720 and my credit score has dropped slightly below that thanks to a problem with a bank. I had a $50k line of credit with them. In April 2009, I borrowed the full $50k for a short time and because of a problem on their end (they had deactivated automatic payments), I missed the first payment due on the line that month. It was about 45 days late. I paid off the entire amount a few months later and the account is still active but at $0 balance. I have tried calling the bank to have the 30 day deliquence from April 2009 removed (they reported to all 3 bureaus) and gotten nowhere. All I got was a form letter saying they can't remove it. This is the primary factor keeping my credit score below 720. It is costing me at least 20-30 points, maybe more. I have no other deliquencies on my report.

Any ideas on how to get this removed quickly? If it matters, the bank is Suntrust. I realize this will diminish in effect in several months, and go off completely in a few years -- but I need a quick resolution or I may miss out on a good opportunity available now.

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.