Reply
New Contributor
Posts: 108
Registered: ‎09-09-2012
0

GW Letter Deletion... 1 down, a few more to go.

I cannot thank the suggestions of those on this forum enough.

 

A little backstory. In 2007 I opened a Washington Mutual credit card with a $750 limit and was able to make the payments.  Then a few months later I accepted a much better paying job overseas, but that also left me without an income for almost 3 months.  The card then defaulted and although I paid it off, Washington Mutual closed the card.

 

The other day on a whim after reading here on the forums, I decided to call Chase and see if they would delete it from my credit report since although I defaulted, I did pay it off.  The guy on the phone was a bit of a jerk and used the "We didn't make a mistake" line.  So I figured to email Chase's credit card customer service.   Well I just got an email that because they can't find the account in their records that they will be removing it from all 3 bureaus. 

Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: GW Letter Deletion... 1 down, a few more to go.

Nice work!!!!! Good luck on the rest.

ccpics2.jpg
Regular Contributor
Posts: 142
Registered: ‎12-16-2012
0

Re: GW Letter Deletion... 1 down, a few more to go.

Congrats!




Starting Score: 588
Current Score: 610
Goal Score: 650


Take the myFICO Fitness Challenge
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: GW Letter Deletion... 1 down, a few more to go.

Congrats

Member
Posts: 27
Registered: ‎08-31-2012
0

Re: GW Letter Deletion... 1 down, a few more to go.

[ Edited ]

Oh my gosh!  I just posted about an issue very similar that I am having with Chase!  I had no idea they had purchased Washington Mutual, so when the Chase notation appeared on my husband's credit report, I contacted Chase stating the account was not ours.  They just sent me a copy of "correspondence" from us that showed the account was ours.  The correspondence was to a collection agency (that never appeared on the credit report) indicating we were working through CareOne to pay off the account back in 2007.  The account was charged of by Washington Mutual in 2007.  Chase NEVER owned it, but they are reporting it.  Now that I know that, I think I have more power.  I wrote to them today and said the reason we didn't think we had an account with Chase is because we didn't! 

 

Your story is so similar, so hoping they see that and remove it...it has one more year before it falls off, but this credit rating thing is driving my husband crazy (he has always had excellent credit....we figure the new "rules" are why his has dropped so drastically).  Chase is one...if I can get rid of them (and I had at one time!) only have to battle Dell and CapOne....

 

This gives me a glimmer of hope!

New Contributor
Posts: 108
Registered: ‎09-09-2012
0

Re: GW Letter Deletion... 1 down, a few more to go.

I have a little more knowledge of the old WaMu stuff showing up as Chase.  Likely what will happen is that Chase will not be able to find the account in their records and because they cannot furnish proof of it, they will have to delete it.  I tried to call and the guy on the phone took a very hardline stance.  I emailed and it was fixed in 24 hours.  NOW I have to wait and see how long it takes to fall off my actual credit report.

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: GW Letter Deletion... 1 down, a few more to go.

Congrats OP!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: GW Letter Deletion... 1 down, a few more to go.

Nice, Keep it up! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.