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Tidbit About GW Letters

Frequent Contributor

Tidbit About GW Letters

Wells Fargo is a tough nut to crack.  Several letters sent, several letters received back.  None were good.  Infact, one felt obligated to add a dispute to my CR.  I called the number on the letter to have the dispute reference removed from my CR but just got voice mail.  Not happy with that, I called the Executive Office.  Nice guy answers and after telling him I wasn't disputing the records, just asking for some love, he says it's against Federal law to remove derogs.  Ooookaaaay I tell him.  He then tells me to hold on while he pulls up the scanned copy of my letter.  WTH???  Apparently these get entered into your file and become a part of your records.  Oh boy.

 

Not what I was hoping for with this endeavor.  I might think twice before send any additional letters.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Message 1 of 5
4 REPLIES
Epic Contributor

Re: Tidbit About GW Letters

Message 2 of 5
Moderator Emeritus

Re: Tidbit About GW Letters

Really?  Against federal law?  There is no law stating what must and must not be reported.  The law just states that anything that is reported must be accurate.  It doesn't say they have to post anything at all.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 5
Moderator Emeritus

Re: Tidbit About GW Letters

Sidebar.  I believe Discover even has a new commercial talking about late forgiveness.  You would think if something was against federal law, there would not be a major advertising campaing for their law breaking.

 

Edited because I left out that little blue word up there.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Highlighted
Established Contributor

Re: Tidbit About GW Letters

I got a GW from WF before I even knew it was called a GW :-) The were reporting incorrect information and I wrote a not so nice letter with a check for 69.00 and told them where to shove that check and I wanted the whole account removed off the CR becuase they messed up and was making me look bad.

 

I got a letter thanking me for the payment and an apology and agreement to remove the TL from all 3 CRA.

 

I told told the account was paid off and when I pulled CR there was a collections for 69.00. Yep I wasnt happy! but its gone now :-)

 

 

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 5 of 5