11-13-2010 04:43 PM
Recently I sent a GW letter to Capital One because of a couple lates two years ago. I received back a response that had nothing to do with my GW letter. The response stated that I need to send supporting evidence of what was wrong in my credit file. They are asking me to send a copy of my credit report to them with an explanation of what was wrong with their account. Well, I never stated that anything was wrong with the information, but that I wanted to see if they would extend me a GW removal of the baddies.
Anyway, how should I respond to the letter? Should I ignore it and just resend the same GW letter? Or should I just send a copy of my credit report (as per their request in the letter) and highlight their information and pretend I was never late? I am not sure what to do.
I look forward to your opinions or how I should handle this situation. Thank you for the help.
11-13-2010 06:46 PM
lol...I sent a goodwill as well to crap 1 and got the SAME thing! i didnt send anything. Gonna keep shooting gw snail mail. Crap 1 is a hard nut to crack!!!
11-13-2010 06:57 PM
I never had to deal with Cap One but there is a thread on here with Cap One success. Possibly some info in that thread can help both of you.
11-13-2010 08:46 PM - edited 11-13-2010 08:50 PM
They treated it as a direct dispute under FCRA 623(a)(8), which details those requirements as part of a dispute.
They thus dismissed it as being in non-compliance with FCRA 623(a)(8). They blew it. Send it again, with clear explanation of what it is.
I would always preface any GW letter with the statement, up front, that "This is not a dispute of prior credit reporting under either FCRA 611(a) or a direct dispute under FCRA 623(a)(8). It is my request for your good will in the deletion of prior credit reporting."
11-14-2010 10:55 AM
+1 RobertEG. I had posted something similar and RobertEG said the same thing. Now when I GW I include what RobertEG has posted.
11-14-2010 05:20 PM
Great idea! Thank you for your help (and other's help too). Will resend and see what happens.
11-18-2010 09:39 AM
Well, I am 0 for 4 on the GW front. Cap 1, Hooters, Wells Fargo, and US Airways all either ignored the letter or answered in a cryptic way (see above post). So I just sent out the next batch with the additional "this is not a dipute" statement on the letters. Lets hope this time I will get a positive response. If not, then it is some more stamps.
By the way, if anyone has had luck with GWing Cap 1, Hooters, Wells Fargo, or US Airways, can you please PM me with the address, email, or phone number you used. I would greatly appreciate it.
Thank you all.
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.