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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: HELP! New collection popped up and dropped score 60 pts!

Yes I would GW and then dispute. Sometimes you have to do multiple GWs before they will listen to you.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
jjmtmj126
Posts: 58
Registered: ‎03-13-2012

Re: HELP! New collection popped up and dropped score 60 pts!

So who do I send this letter to?  The credit agency or the credit report people (like a dispute?)  

 

And should the letter say something explaning why using the term "1 month" is against the rules?  I guess I'm asking this because I don't really know why it's against the rules.  

 

But THANK you for that letter!!!!!!!  

Established Member
jjmtmj126
Posts: 58
Registered: ‎03-13-2012

Re: HELP! New collection popped up and dropped score 60 pts!

so send the letter first, and then dispute if they don't respond to the letter?????  Or can I do them both at the same time?

 

Can I email this, or do I have to physically mail it in?

Valued Contributor
tooleman694
Posts: 2,296
Registered: ‎08-25-2011

Re: HELP! New collection popped up and dropped score 60 pts!

I would send that letter off to EQ EX and TU, certified with return receipt.

 

Don't explain anything to them, make them work.

 

Most likely the minium wage worker will just hit delete and move on.

Established Member
jjmtmj126
Posts: 58
Registered: ‎03-13-2012

Re: HELP! New collection popped up and dropped score 60 pts!

Ok... and again, I'm sorry for these questions but.....

 

By sending the letter am I "disputing" it?  

If so, can't I just dispute this online??

 

 

Thank you thank you!!!  I'll keep you updated on how this works out for me!!  :smileyhappy:

Valued Contributor
tooleman694
Posts: 2,296
Registered: ‎08-25-2011

Re: HELP! New collection popped up and dropped score 60 pts!

This is a dispute letter, it is a trick of the trade in credit repair to target in on one error to get a full deletion.

 

It works trust me.

Valued Contributor
tooleman694
Posts: 2,296
Registered: ‎08-25-2011

Re: HELP! New collection popped up and dropped score 60 pts!

Do NOT dispute anything online ever. You need a paper trail, this is for your advantage.

 

The more you make them work, the more likely they just delete it.

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: HELP! New collection popped up and dropped score 60 pts!

You don't want to tell them they are in violation in a GW letter. It is supposed to short and respectful to plead your case and why you feel it should be removed. If this fails, then file a dispute and send the nasty letter at the same time. You should send the GW letter to the address of the collection agency on your credit report and follow up by phone (nicely) in 2 weeks.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
tooleman694
Posts: 2,296
Registered: ‎08-25-2011

Re: HELP! New collection popped up and dropped score 60 pts!

The GW letter is a hail mary pass that you can send to the collector.

 

Iv never had one work.

 

but I have heard other people having good luck.

 

What you could do, is send a nice sweet letter to the collector begging that they delete and a nasty one to the credit report folks demanding they delete.

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: HELP! New collection popped up and dropped score 60 pts!

+1
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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