Reply
Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

GW attempt ( UPDATE E-OSCAR DELETE SUCESSFUL )

[ Edited ]

I GW'ed a CA for an old cable bill that was paid in full. I received a positive response and a letter of deletion on July 29th. 

 

The collection is still on my reports, so I emailed the same person at the CA and just got this response.

 

"Hi ME:-), 

I processed this deletion electronically.  I will go into E-Oscar (a 
database that is directly linked to each credit bureau) and do a hard 
delete.  It would also be beneficial to you to contact each credit bureau 
and disputing the debt and attaching the letter I have sent to you. 

The hard delete should erase the trade line in less than 3 days. 
"

 

 

What is the best way to contact and dispute with each Collection Agency with this letter I have?

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How to go about this almost successful GW attempt

To stimulate this thread a little bit..

 

Just off the top of my head I believe I read somewhere that people would dispute as "creditor agreed to delete" or something along those lines.

 

If I have a letter though I'm assuming that this involves a mail or fax dispute. I'm really excited about getting this off my record and would really appreciate my teams support here Smiley Tongue

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Regular Contributor
Posts: 122
Registered: ‎09-14-2010
0

Re: How to go about this almost successful GW attempt

I used the "creditor agreed to delete" dispute for a paid medical and AFNI account.; I didn't have to send anything in. It was simply removed from all three of my reports.

 

If you do have the letter, feel free to send it in but just remember that when you submit a dispute with documentation, the credit bureaus can take up to 45 days to get you the results.


Starting Score: TU 599 EQ 608
Current Score: TU 694 (lender) EQ 666 (lender) EX 696 (lender)
Goal Score: middle score: 750


Take the FICO Fitness Challenge
Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How to go about this almost successful GW attempt

Did you do the dispute online or how did you do it? How long did it take? 

 

If you did it online did you do it directly from the annualfreecreditreport.com site?

 

Sorry for my ignorance here, I have not disputed anything before.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Contributor
Posts: 107
Registered: ‎09-18-2009
0

Re: How to go about this almost successful GW attempt

I'm tempted on doing the same thing with the CRAs soon. I was able to successfully get a CA to GW delete an entry. Their letter said that it can take the CRAs up to 90 days to delete... It's been about 40. Starting to get impatient now. Smiley Happy

Contributor
Posts: 112
Registered: ‎08-30-2010
0

Re: How to go about this almost successful GW attempt

LOL I AM WAITING FOR DELETION TO UPDATE AS WELL.


EQ542 TRAN582 EX565:
Current Score:EQ 635 TRAN 631 EX 603
Goal Score: 750

Start out : 24 negative accounts collections/chargeoff
Current : 5 remaining 2 unpaid 72 total positive accounts:Long two year battle finally i can see light
Take the FICO Fitness Challenge



Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How to go about this almost successful GW attempt

Well I would really appreciate any of the elders to comment on my original question. How should I go about disputing how the CA suggested with the letter of deletion. I don't mind waiting 45 days if that is a more solid way of disputing than online.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Epic Contributor
Posts: 21,266
Registered: ‎03-19-2007
0

Re: How to go about this almost successful GW attempt

This whole thread makes no sense to me.  CRAs get involved in information that was inaccurately reported.

You cant dispute a GW.  The CRAs dont enforce fulfillment of private agreements between the consumer and a creditor.

The CA must postively report deletion to the CRA. 

No, I wouild not dispute this with the CRA.  The CA is just blowing you off.

 

 

 

 

Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How to go about this almost successful GW attempt

[ Edited ]

I HIGHLY doubt that the CA is just blowing me off. 

 

Robert not only did they send me a letter of intent to delete through email PDF, but also mailed me a pen signed letterhead as well.

 

I believe she is telling the truth that she used e-oscar to delete the tradeline. In this case, what is going on with e-oscar?

 

Suppose that she is telling the truth here, what do you suggest I do as the best means of deleting this?

 

(Also - I only know for certain that it is still on TU, pulling three credit report on the 8th)

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How to go about this almost successful GW attempt

bump

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.