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Question?

New Contributor

Question?

On my credit report I have a collection account with Wfnnb/Express and I paid half of it in April and then it showed that I'm 120+ days past due with a $0 balance and it says pays as agrees with 120+ on every month up until I paid it and April which is 17 time 90 days past due? (I hope I'm being clear) So my question is do I send a GW letter asking  the account to  be removed or ask for the late payments to be removed and do I send this to the CA or Express? Thanks!Smiley Wink

EX 708 (08/06/14)(5) EQ 676 (08/13/14) (1) TU 703 (07/25/14) (6)
Capital One Secured Card $200|Victoria's Secret Card $350|Express $350|Discover it $1,000|Nordstrom $1,000
| Amex Everyday $2,000| NFCU nRewards $10,000 (Joint) American Eagle $280
Last App 08/19/14
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Re: Question?

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I'm here because I decided to stop hiding from my FICOS, CAs and OCs ~ and man, do I feel freer!

"We can forgive a child who is afraid of the dark; the real tragedy of life is when men are afraid of the light." ~Plato
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Re: Question?



belvictoria wrote:
On my credit report I have a collection account with Wfnnb/Express and I paid half of it in April and then it showed that I'm 120+ days past due with a $0 balance and it says pays as agrees with 120+ on every month up until I paid it and April which is 17 time 90 days past due? (I hope I'm being clear) So my question is do I send a GW letter asking  the account to  be removed or ask for the late payments to be removed and do I send this to the CA or Express? Thanks!Smiley Wink


You send the GW letter to whomever is reporting.
 
As for asking for the lates vs the account, that would depend on who is reporting and how old the account is. If it is an old account that the OC is reporting, it could hurt your history.
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