Credit Card Center Advertiser Disclosure†
11-15-2012 07:19 PM
11-16-2012 05:25 AM
The first few people I sent letters to at GE said the same thing about my collection. The way I got around that was to keep climbing the food chain, and eventually got to someone that was able to completely remove the tradeline. This worked out perfect in my situation, I dont know about yours since it is just a 30 day late.
11-16-2012 06:39 AM
I had 3 30 day lates from 2009. The first letter I sent, I got a NO, said same thing as yours. So then I emailed to the address I sent you. I got the nice letter 4 days after that email. My card was a care credit card. I told them how I used the card and couldn't have had surgery without it. that I had never had any trouble using it. etc etc. Explained why I was late. Keep trying.
01-03-2013 07:49 AM
Can you send me this information? I have a Jcpenny account on my credit that was sold to a collection agency, the agency couldnt validate the charges and it was deleted. I need jcpenny to do the same.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.