Quote Originally Posted by AirMax95
Not exactly true. If the account was delinquent, but paid off, it will show just that. It will still hold your score down. It will not drop, but it will make is harder to still raise it.


Take my advice, give it a try Send them a notarized letter asking to remove any negative marks. Cost no money, other that the notary fee.
What he said is the best choice. Also with the annualcreditreport.com with the three agencies, there is normally a form attached to the website you can print off to mail to them regarding inaccurate reporting.