02-01-2013 02:30 PM
02-01-2013 02:33 PM
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!!!!!!!
02-01-2013 02:35 PM
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?
02-01-2013 02:37 PM
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.
02-01-2013 02:39 PM
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!!
02-01-2013 02:43 PM
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.
02-01-2013 02:43 PM
02-01-2013 02:48 PM
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.
02-01-2013 02:49 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
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.