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I got my GW response back from Credit One one late payments
They said they have to report everything to the CRB fair, true and accurate. What should my reponse/rebuttal be ?
@nothingman02 wrote:
Persist! Keep sending those GWs to different people. Keep changing the letters as well. You could mention that you understand that they do, indeed have to report correctly but also that they dont HAVE TO report at all. Look up some big names and send the GWs to them. At this point though, GWs are your only option unless the reporting is inaccurate.
Unless this is a fairly newish account, removing an entire tradeline could provide a significant drop to the OP's FICO in terms of credit history length (AAoA).
AFAIK, the creditor is only obligated to make sure that IF they report derogatory info, that it is accurate (AKA, not allowed to report lates IF there are NO lates). AFAIK, there is nothing in the FCRA or FACT that restricts creditors from giving "Goodwill" adjustments.
IF the OP were willing to open a *new* account with the creditor (if it's a credit card account), that might help give the creditor incentive to give that goodwill. Keeping *current* customers happy tends to take precedence over keeping *previous* customers happy.