I sent my first GW letter that I wrote up to a CA that I paid in full two years ago - hoping they would remove it.
Here is their response:
Our office is in receipt of your request that we remove negative trade lines placed by our company on your credit report. While we commend your ability to resolve your financial obligations, we are unable to assist you in the manner requested.
As a data furnisher to the credit bureaus, we are required by federal law to report only accurate information for no more than a maximum amount of seven years. Once an account has been placed with the credit bureaus, it would be inaccurate to remove the account for reasons other than identity theft/fraud or mistaken reporting. Thus, we are unable to honor your request. We have, however, updated all three national credit bureaus with the news that your account has been paid in full.
Not much help - and it is already listed as "paid" on all three reports. Oh well - I guess it didn't hurt. I did follow up stating that while the FCRA does require all information to be accurate - it does NOT require all information to be reported and that my credit attitude has changed and I have had nothing but on time payments with other creditors ever since and that their entry no longer reflects my credit accurately.
We will see if I get a follow up...
Starting Score: 609 (Feb 1, 2013)
Current Score: 665 Current Debt: $2190 (23.43% Utilization)
Goal Score: 750
Updated: March 8, 2013
