Established Contributor
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? 
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
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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