Re: GW to HSBC or Capital One?

bmblbg · ‎01-05-2013

I recently did a PFD with the CA on an old HSBC charge-off. I'm planning to do a GW to the OC now, but am unsure who to send the letter to since the sale/merger. One of my credit reports is reporting the account as Capital One, and the other two as HSBC. Which company should I address the GW to?

Mortgage Scores:
11/26/2018 EQ: 542 EX: 610 TU: 548
8/30/2018 EQ: 571 EX: 504 TU: 533
7/30/2018: EQ: 598 EX: 591 TU: 608
4/5/2018 EQ: 543 EX: 522 TU: 467

Shogun · ‎01-05-2013

Send the GW to both!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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JM-AM · ‎01-05-2013

You most likely would have to address both of them.

If the debt was bought by a CA before the CAP ONE buy out I am confused as to why they are even reporting anything, I wouldn't think they would be purchasing the charge off balance from HSBC, but who knows.

Good Luck
May all your dreams and wishes become a reality!

bmblbg · ‎01-05-2013

Yes, it is strange....

Thanks, I will send letters to both.

Mortgage Scores:
11/26/2018 EQ: 542 EX: 610 TU: 548
8/30/2018 EQ: 571 EX: 504 TU: 533
7/30/2018: EQ: 598 EX: 591 TU: 608
4/5/2018 EQ: 543 EX: 522 TU: 467

GW to HSBC or Capital One?

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GW to HSBC or Capital One?

Re: GW to HSBC or Capital One?

Re: GW to HSBC or Capital One?

Get your FICO Score for free