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what to do 1st -- 30 day different months -- gw or dispute - Help

Contributor

what to do 1st -- 30 day different months -- gw or dispute - Help

I am trying to get my score up to get a mortgage.

i pulled a report that shows all bureaus together.

this is for my vs card

experian is showing 30 days lateon feb 2010

exquifax is showing 30 days late on march 2010

before i send a gw letter should i dispute?

please let me know..

 

 

GW success 30 day late removed from 2 store accounts.
waiting on Citibank SL GW response --
Message 1 of 6
5 REPLIES
Community Leader
Epic Contributor

Re: Help -- what to do first -- late fees reporting differently -- gw or something else

Unsure as to how the fee itself is being reported as a derogatory item.

Is it the basis for also reporting a 30-late, which requires that the "lateness" has extended more than 30 days past the billing due date?

Or is it just showing as part of your new balance on the account?

 

If the issue is relates to disputes over billing, including fees, the best approach is to file a dispute under the Fair Credit Billing Act (FCBA), which entitles the consumer to documentation of their end of the dispute.  Disputing any reporting under the FCRA that results from a billing issue only requires that they affirm the accuracy, and does not require any documentation on their part. 

 

Message 2 of 6
Contributor

Re: Help -- what to do first -- late fees reporting differently -- gw or something else

oops i didnt mean late fee lol i meant showing 30 days late. i edited post. thanks

 

GW success 30 day late removed from 2 store accounts.
waiting on Citibank SL GW response --
Message 3 of 6
Contributor

Re: what to do 1st -- 30 day different months -- gw or dispute - Help

really no one has any advice?

GW success 30 day late removed from 2 store accounts.
waiting on Citibank SL GW response --
Message 4 of 6
Highlighted
New Contributor

Re: what to do 1st -- 30 day different months -- gw or dispute - Help

I would write a GW, check here for a list of execs you could email it-http://consumerist.com/2010/03/30/executive-emails-for-victorias-secret/

Message 5 of 6
Regular Contributor

Re: what to do 1st -- 30 day different months -- gw or dispute - Help

You can dispute the accuracy of their reporting if it's incorrect, but you want to be careful when disputing and not getting flagged for frivolous disputes..


I would GW the crap out of them and keep sending to every person within that company that you can get addresses for.

 

Good Luck!


Starting Score: 585
Current Score: EQ Fico 766 | TU Fico 715 | EX Fico 753
Goal Score: 800


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Message 6 of 6