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Author: Azotic Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308519  
Subject: Another credit report question... Date: 5/7/2002 2:50 AM
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OK, so I recently challenged a CRA detail on my closed First USA card and they (1) changed it from closed to open and (2) deleted my payment history while leaving the account at status R2.

So, here are my questions:

1) Is it going to present problems that there's no payment history on the account when I try to get the thing deleted 7 1/2 years after the last delinquency? (that date is two years older than 7 1/2 years after the last activity.)

2) Is it going to be more harmful to my FICO score that there's no indication how old the delinquency is than if there were two delinquencies over two years ago and a clear payment history since then?

-- Mark
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