07-17-2007 06:06 PM
07-17-2007 08:30 PM
07-18-2007 07:17 AM
07-18-2007 10:54 PM
focused07 wrote:I am in the same boat (I am an AU on my husband's card and there is one 30 day late payment that is reporting to my CR) and was about to write a GW letter but wonder if I would get faster, better results by disputing. There is otherwise a perfect payment history on this card. The account is about 5-6 yrs old but I have others and it's currently reporting as "closed by the consumer" - so not sure it's doing anything but hurting my score right now anyway.
07-20-2007 04:55 PM
07-20-2007 05:08 PM
focused07 wrote:So are you recommending that I should have my husband send a GW letter to them? Or should I dispute the tradeline as not mine? I have prepared the GW letter and I am ready to send. Can I do both simultaneously (the GW and the dispute as not mine)? If I go the "not mine" route, do I indicate anywhere in the letter that I am an AU on the account?
07-20-2007 06:01 PM
07-20-2007 09:58 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.