Reply
Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

[ Edited ]

Darn. yea I checked my bank statment and I actually paid it on the 11th of Nov, 2008.

 

I copied and paste from my Equifax report. This is  the Capital One account. We would like to buy a car around Feb so this is why I am stuck as to what to do with this.

 

24-Month Payment History

Equifax
*********120120906030***NRNRNRNRNRNR
NovOctSepAugJulJunMayAprMarFebJanDecNovOctSepAugJulJunMayAprMarFebJanDec
080808080808080808080807070707070707070707070706
TransUnion
*******NR*120120906030**NRNRNRNRNRNRNRNR
NovOctSepAugJulJunMayAprMarFebJanDecNovOctSepAugJulJunMayAprMarFebJanDec
080808080808080808080807070707070707070707070706
Experian
NR*******NR*120906030***NRNRNRNRNRNRNR
DecNovOctSepAugJulJunMayAprMarFebJanDecNovOctSepAugJulJunMayAprMarFebJan
080808080808080808080808070707070707070707070707

Payment History Key

All those in favor of a super credit score say" ME!"
Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

I apprecitate your feedback  marinevietvet. It really helps when your just not sure what road to take.

All those in favor of a super credit score say" ME!"
Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Re: Im confused about GW on Charge Off

 


aDrillsgtswife09 wrote:

I apprecitate your feedback  marinevietvet. It really helps when your just not sure what road to take.


I'm still not sure which direction to go many times in my life.  Smiley Happy

 

Did you ever find out the DoLA for this account?

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work


Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

From what I see the DOLA is Oct of 2008.

All those in favor of a super credit score say" ME!"
Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

I believe i may have sprouted a few grey hairs having to start this "clean up"...lol. Man this can make anyone's head spin! ;0 

All those in favor of a super credit score say" ME!"
Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Re: Im confused about GW on Charge Off

[ Edited ]

 


aDrillsgtswife09 wrote:

From what I see the DOLA is Oct of 2008.


 

If it were me I'd continue with the GW efforts. The risk of updating the account is worth the possiblity of getting the CO removed. But only you can decide that.

 

Something I didn't mention before. The lates that led to the CO will also need to be removed. That is a separate issue from the CO.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work


Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

Ok-O I think Im wrong about it not being updated monthly. I am getting my info from Exerpian and they are updating monthly. I believe I wll send GW to remove derogs and see what happens. If they are updating monthly my score is already taking the hit. I should go ahead and get a TU report since if Im doing my homework right they list more info. Any derogs they can remove will be less derogs they have to factor into the scoring and for right now, trying to get a car in Feb I guess that would make more since.                                                                                                                                                                                                      On another note my husband has ONE 30 day late on Chase CC in Aug of 06 that has been in good standing since. I had him use his message center on Chase.com to send them a message. This morning we looked and someone said that he forwarded the message to another department and we should receive a answer within 1 day!!!!! Im crossing my fingers!!!! Please do the same for us forum!! Smiley Happy

All those in favor of a super credit score say" ME!"
Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

ok-recieved a message back from Chase message center. This is what it said:

 

Dear Allen Longoria,

Thank you for contacting Chase about your account ending
with xxxx.

I am unable to remove the late payment reflected on your
credit bureau report for the account ending with 8465. A
delinquency is reported to the credit bureaus when the
full minimum amount due is not received for two
consecutive months.

To preserve the integrity of the credit bureau reporting
system, I am unable to alter valid information that is
reflected on a credit report.

Your August 2006 delinquency is due to be removed in six
months. anyone have any idea why its six months?? Im confused.

I appreciate that you're a responsible consumer and want
you to fully understand any impact to your credit file.
To get information about improving your scores, or how
they're calculated I can provide you with the information
shown below for your convenience.

 

 

confused.....any ideas?

 

All those in favor of a super credit score say" ME!"
Moderator
Posts: 17,419
Registered: ‎07-14-2009
0

Re: Im confused about GW on Charge Off

 


aDrillsgtswife09 wrote:

ok-recieved a message back from Chase message center. This is what it said:

 

Dear Allen Longoria,

Thank you for contacting Chase about your account ending
with xxxx.

I am unable to remove the late payment reflected on your
credit bureau report for the account ending with 8465. A
delinquency is reported to the credit bureaus when the
full minimum amount due is not received for two
consecutive months.

To preserve the integrity of the credit bureau reporting
system, I am unable to alter valid information that is
reflected on a credit report.

Your August 2006 delinquency is due to be removed in six
months. anyone have any idea why its six months?? Im confused. Late payments can stay for up to 7 years from each individual date of delinquency. A late payment from 8/2006 should be there until 8/2013. If they delete this early you are fortunate and hopefully they will do this for all your late payments.

I appreciate that you're a responsible consumer and want
you to fully understand any impact to your credit file.
To get information about improving your scores, or how
they're calculated I can provide you with the information
shown below for your convenience.

 

 

confused.....any ideas?

 


 

Valued Member
Posts: 76
Registered: ‎01-26-2009
0

Re: Im confused about GW on Charge Off

OOOOOOOOO----ok. So shes prob telling me that she is going ahead with the goodwill. That would be great!

All those in favor of a super credit score say" ME!"
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.