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Established Contributor
EW800
Posts: 507
Registered: ‎06-01-2008

GW Letter to US Bank

Hello --
 
I just discovered that I have a 30-day late showing from US Bank on a CC account on just one of my credit reports.  Can anyone tell me how US Bank is with GW letters and what the best address is to write to? 
 
Thanks!
 
 
Oct 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
July 2014: EXP08: 698; EQ08: 718; TU08: 709; EQ04: 687; VantageScore 3.0: 752
GOAL: EQ 04 Model to be 700

In My Wallet -- Discover $11.7K; Cap1 $8.4K; Amex $9.9K; Barclay $7K; Citibank $4.9K; US Bank $4K; Dell $5K; Care Credit $6.5K
My UTIL: Apprx 1%
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007

Re: GW Letter to US Bank

When sending a GW  you should mail to addy on your CR.
 
When is the late from?    if it is older then 2 years  leave it alone.
 
If you were never late   just file a dispute with that CRA......never late.
 
If the late is reported correct.....I would not let the CC know that it is only reporting on 1 CRA....they might correct it & you will see it on all 3. Even if you do not state it.......they will update all 3.

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