03-17-2012 05:52 AM - edited 03-17-2012 05:58 AM
On my 3rd round of GW letters without any success.Guess I have to start making phone calls if I don't hear anything in next couple weeks.
Capital One - They respond with the normal auto response.
Carmax Auto Finance - 3 30 day late payments over 4 years still on my reports. Paid in full a year early. No responses.
First National Bank of Omaha - Even though I worked with a Credit Counseling agency to pay them off I still have negative stuff on my report until next April. Credit Counseling agencies are garbage. They do not respond to GW.
Happy Saint Patricks Day
03-17-2012 06:35 AM
A CCCS cannot help you in a GW processs. Only the OC can. CCCS have only one job - to lower your interest rates, if possible, and allow you to make a single payment to pay multiple creditors. The OC does not hold the CCCS responsible for late/partial payments. My only derog occured because of that.
03-17-2012 11:25 AM
Yeah they try to lower your interest. They never got mine lowered. They say their independent but in reality they work for the credit card companies. Just saying I always mention CCCS in my GW letters, but FNBO never responds.