Hello! I've been a long-time reader of the forums, but this is my first post.
My credit scores are all in the mid 600 range right now, but I still have a few blemishes I'm trying to clean up.
I have an open Credit One card, and it's been open for about 2.5 years. I had one 30 day payment back in Aug 2012 that shows up on EQ and EX. Since this late payment, they have kept on offering me credit limit increases. I sent a GW letter to them and disputed, but they won't budge on helping me out. I'm current with an $8 balance, and every payment has been on time since the 30 day late. I talked to a supervisor today, and he told me there is nothing they can do. Would threatening to close the account maybe help them decide to help out?
I opened a First Premiere card about five years ago, before I started rebuilding my credit. I also was late on this about four years ago, and it ended up closing at 90 days past due. I paid the account in full, and all charges that were incurred by the late fees. I should have tried a PFD, but I didn't know about it at that time. Tried sending the GW letter about a month ago, and they won't budge either.
About the same time as my other credit problems, I had a lien filed for state taxes. Do GW letters work with the state? Or should I try something else?
I've gone from mid 400s to mid 600s the past two years, and everything has been current since the Credit One was 30 days late.
Any suggestions?
