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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 308425  
Subject: Re: Another credit report question... Date: 5/7/2002 12:26 PM
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> If the last activity on that card is over 7 years old
> then it should not show up on your credit report.

The date of last activity was 3/02, when I cancelled the card, but the date of the last delinquency was 4/00.

What I'm trying to determine is whether it's in my interest to insist that they restore my deleted payment history. Is it worse to have an account indicated as R2 (which means that at some time in the past it was 30-60 days delinquent) with no payment history, or is it worse to have a payment history that specifies an exact date of two 30-day-late payments two years ago?

Maybe it's just splitting hairs; the problem is that I don't know that I have any recourse to force First USA to report information, and if they don't confirm it, the CRA will delete it.

When I ultimately want to wipe this thing off my credit record in 10/07, I can probably wave around my Experian and Trans Union reports to demonstrate that the last delinquency was 4/00... I'm just worried about what I can do until then.

-- Mark
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