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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.