eab6287 wrote:
UncleB wrote:
eab6287 wrote:
Also, EX really should be deleting the repo very shortly (it previously stated in a note on my report that it would be removed April 2016, but the note has since dissappeared...the other two agencies have already removed it, but 7 yrs counting from the last payment date isn't actually up for a few months, so I'm concerned that they realized this and removed the note for this reason, not sure).
I'll let others 'chime in' with their opinions/advice on if you should 'pull the trigger' or not, but I do have a data point for you regarding EX. My single remaining 'baddie' (account paid for less than full amount) was 'noted' that it would be removed 3/2016, but as of a few days ago it's still there as well. I'm not disputing it since at a glance it is probably supposed to report until May or June (just like in your situation), but it was a letdown nonetheless when March came and went and the account was still there in spite of the notation.
Like others have mentioned you will likely be fine for an approval with your EX score where it is now, but your starting credit line might (?) be higher if you wait. I'm having a similar internal debate at the moment myself... there's definitely a possible trade-off.
Good luck whatever you decide!
Ah interesting - thanks for sharing, that's good to know. I actually did dispute it last month, which in retrospect was probably dumb, since the other agencies had already removed it. I assume that perhaps that led them to double-check the time since the last payment and that's why the note saying it would be removed this month disappeared
Thinking it'll be there until June or so now.
One more Q - since I just had a significant CLI on the Cap1 QS1 ($2.25k to $4.25k) this week, I may wait at least until later this week, which is typically when Cap One reports to agencies for me. Can't hurt to have the higher CL reported first, right?
Thinking it'll be there until June or so now.There's probably no harm done by your dispute, and in any case since the item has already been removed by the other two bureaus it was worth a shot, right? In my own case the other two bureaus arestill showing my baddie, so that's why I didn't bother with a dispute myself.
The higher QS1 credit line certainly won't hurt, and might even help if your utilization is borderline (if utilization isn't a factor, I wouldn't be too concerned about it). I suspect one of your main concerns is getting in on the HHonors promo... if that's the case I would probably pay close attention to the expiration date for that as well as everything else. 
(Side note: At the risk of taking the thread off-topic, if you were able to get your QS1 to $4.25k recently you can likely get them to upgrade it to a no-AF QS account. The account number and age will remain the same, but they will no longer charge you an annual fee. I got mine converted just a couple of months ago.) 
