- Green Member
- Posts: 7
- Joined: Thu Jun 14, 2012 10:59 pm
- Location: United States
I am not new here, but newly registered. I been on here awhile now trying to fix up my credit score.
To make a long story short, my father used my info to open up a credit line with Chase in 2008. The card is now charged off due to too many late payments. The worst is Late 60. I now have set up an online account to monitor the card to make sure no more late payments are made.
The credit limit on the card was $5,500 and the balance is at $2,600.
The latest delinquency was in October (late 30) and November (late 60) 2011. After that, all is OK on the chart. So I am about 0.7 years away from the latest delinquency on my credit report.
I guess I made a bad move, but was hoping I might have a chance to dispute the lates. I submitted an online dispute with Experian on the charges, just simply stating I was unaware of the missed payments, no phone calls or any notification made to me that it was late so I could resolve it.
The report came back yesterday, and all I see on the report is that is was "updated" and it shows CLS, but the card was already closed.
So I checked my credit report to make sure it didn't affect the score, which it did not.
But now on the time since delinquency, it went from 0.7 to 0.1.
I guess I made a bad move on my part, should have posted up on here before doing what I did.
Just want to know if anyone could explain what would cause it to go from 0.7 to 0.1 and if there is any way to reverse that.
Thank you for your time!
Cards: AMEX Zync, BofA Rewards, Capital One Platinum