Rebuilding Your Credit

[Jess421]

So I sent my old credit union a GW letter asking them to remove 1 30 day late.  They responsed with they report accurately to all credit bureus and they could not do so.  Should I keep sending letters?  I wasnt even a full 30 days late when they reported it.  Yes it was close about 3 weeks.  Any advice?

[jmoney3457]

Did you just do a general GW or a specific person? If general, try a higher up like a VP.  I can try to help you find one, if you provide the CU .

[guiness56]

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Jess421 wrote:

So I sent my old credit union a GW letter asking them to remove 1 30 day late.  They responsed with they report accurately to all credit bureus and they could not do so.  Should I keep sending letters?  I wasnt even a full 30 days late when they reported it.  Yes it was close about 3 weeks.  Any advice?

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If you weren't 30 days late, it should not have been reported.  Period.

You can always file a direct dispute with them under FCRA 623(a)(8).  They have to investigae and make corrections and notify you within 30 days.

[Jess421]

I disputed with the BBB to see if that works.  I havent heard anything back yet on it. 

[jmoney3457]

Did you dispute to a general address or specific person? If general, try a higher up (dir, vp etc).  Sometimes reporting them to the BBB will backfire, because they may see that as a negative-not always, but sometimes..just an FYI.

[Jess421]

Ya I dont know if it will work or not but I figured it was worth a shot.

[jmoney3457]

Jess-did you GW to a general addr or specific person? Also, which CU is this?