Established Member
Posts: 12
Registered: ‎08-25-2011

Reply from OC, what does it mean?

Hi yas,

I received a response from the OC on a JC Pennys card in which I had sent a GW letter for deletion. It basically states they are no longer the owner of the account and will request the account be listed as "Sold or Transferred to Another Creditor" and balance will be shown as $0.

Anyways, this is what it was already listed as. Do I keep sending GW letters?


The CA removed their reporting after a GW was sent to them.


Thanks for any help.

Starting Score: EX 568
Current Score: EX 603
Goal Score: 700

Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011

Re: Reply from OC, what does it mean?

I think it means, you get what you already have.  Yes, I would continue to send them.  It's pretty hard to do when they keep saying, NO.  I've given up on my medical collections GW wise.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+