Credit Report Question
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Posted by Cindo
(165.224.110.203) on February 11, 2003 at 14:42:16:
First of all, I'd like to thank everyone on this site for "showing me the light". If it hadn't been for the advice I rec'd from this site, I'd probably be suffering from despair for the rest of my life. Thank you for giving me hope and the knowledge to fight back. I've sent C&D, SOL, Validation ltrs and haven't heard from any of the CA's who were harassing me. Now I'm trying to clean up my credit report. Equifax already deleted some things but I'm sending another letter to reinvestigate some other questionable items on my report. Question: I used to have an Express (retail) credit card opened on 5/93 but it has DLA on 5/01 but I haven't used that thing since 96. I cut it up before I started to get carried away with it. It has a zero balance. Should I ask the CRA to remove it from my report or does it look good to have it on there? Status of that is R1. Is that good or bad? Same thing with a Macy's card I used to have w/DLA 7/94 w/zero balance also. Also a Montgomery Wards card w/c says paid account/zero balance account closed by consumer. I've read that credit card items should drop off after 7 years. If so, is that for bad credit only or bad & good? As always, thanks!
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