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I've read a bunch of the great articles and success stories with GW letters here on the boards and I figured it was time I give them a shot!
I have a 4 year old chargeoff with capital one, which I paid in full after the fact. Its listed as "potentially negative" by experian. Should I GW them in hopes of removing it or at least changing the status to something other than negative? I actually have a current credit card with capital one which doesn't report to experian at all. -- Go figure
Some of the info reported in the account is inaccurate and I have old statements that would prove that but it was indeed charged off and that's my fault. So I haven't attempted to contact any CRAs about the account yet. Would it be better to work with the CRAs or to GW capital one?
Thanks in advance,
-RebuildingGuy
@RebuildingGuy wrote:I've read a bunch of the great articles and success stories with GW letters here on the boards and I figured it was time I give them a shot!
I have a 4 year old chargeoff with capital one, which I paid in full after the fact. Its listed as "potentially negative" by experian. Should I GW them in hopes of removing it or at least changing the status to something other than negative? I actually have a current credit card with capital one which doesn't report to experian at all. -- Go figure
Some of the info reported in the account is inaccurate and I have old statements that would prove that but it was indeed charged off and that's my fault. So I haven't attempted to contact any CRAs about the account yet. Would it be better to work with the CRAs or to GW capital one?
Thanks in advance,
-RebuildingGuy
Sorry for the late response
Yes GW's are in order but I also have a question.
How old is the CO and who is listing it on your CR's CAP1 or CA?
Ok two questions in one Lol
MyJourney- Both actually! Cap1 lists it and portfolio collection. The portfolio thing reports I disputed it which is strange too because I didn't..
Account Name CAP ONE
Account # XXXX
Account Type Credit Card
Balance $0.00
Date Opened 11/1/2005
Account Status Closed
Mo. Payment
Past Due $0.00
Payment Status Past due 150 days
High Balance $1,057.00
Limit $500.00
Terms Revolving
Comments Transferred to another lender or claim purchased
Account Name PORTFOLIO RECVRY&AFFIL
Account # XXXX
Account Type Debt Purchase
Balance
Date Opened 8/1/2009
Account Status Closed
Mo. Payment
Past Due
Payment Status Legally paid in full for less than the full balance
High Balance
Limit
Terms 1 Month
Comments Account in dispute-reported by subscriber
I disputed the accounts on their incorrect merits with the CRA's. I'll try the GW next if need-be.