No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
This one came out of left field, and totally proves it doesn't hurt to try. I submitted a GW email to the BOA CEO a few weeks ago to have a 60 and 90 day late removed from my now closed BOA Gold CC. I got a customer service rep assigned to my case. Real nice guy, understood what I was trying to accomplish, and why, explained the usual "Accurate info, blah blah, will look for inaccuracies that can help, etc"
A day later he called back, gave me the bad news, he couldn't delete any of the payments, or the tradeline (which I requested as worst case, since I'd rather lose the major derog than save the AAoA). Not unexpected, but I expressed my disappointment and thanked him for his time.
Fast forward to today, when I do a fresh pull using Eliminate ID Theft daily pulls, and do a triple take while scrolling through. I realize I don't have anything more than 30 day lates listed on that account. It looks like he got them removed after all!
I verified with the myFICO TU report I pulled yesterday, and it is in fact gone.
Current Major Derog Count:
Experian - 0
Transunion - 1
Equifax - 1
I have a 6 year old Verizon charge off still listed. I have an executive case outstanding on it however, they are scheduled to call me within a week.
Edit: Readability; was way too excited for grammar and complete sentences when I wrote this.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Awesome!
Great, I emailed the CEO office recently about a paid CO, waiting for answer. This is good news, it seems like they are slowly adapting their policies.
Nice job!
Congrats
This is such a weird flurry of events, just after expressing such frustration at not getting the type of movement I had hoped for after working patiently since the spring. Thanks again you guys, it's safe to say I wouldn't be anywhere near where I am without the forums.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Nice. I think I'm going to try them again then. I have 5 lates from about 16+ months ago that I'd love to have removed. I had written to them before and gotten then "we have to report accurate info" letter. Thanks for the update!
No problem. Google their CEO's email addy, should be pretty available first page
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |