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Valued Contributor
Posts: 1,743
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? 
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
November 2015: EX8: 726; EQ8: 734; TU8: 739; EQ04: 724 Goal: All FICO 8 Scores at 740
In My Wallet: Discover $28.2K; Amex ED 18K; Amex Optima $12.5K; Cap1 $8.4K; Barclay $7K; Citi (AT&T Uni) $7.8K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $97.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. 2015 Goal: GARDEN the entire year!!
Moderator Emeritus
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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