Established Member
Posts: 20
Registered: ‎12-11-2007
GW Response Question
Hi Everyone,
A few months ago, I decided to really attack my credit reports, and started sending out GW letters.  I've taken the advice I've gotten on these forums to heart and haven't given up, and keep sending new letters when I get a response that I don't like.
In any case, I got a response today from BoA for an account that was charged off at around this time last year, but which I paid with a settlement offer (before I understood how to bargain with a PFD, but that's neither here nor there).  The response is:
We report to the three major credit reporting agencies, and your report should read "Account Legally Paid in full for less than full Balance".
Please consider this our final response in this matter.  If you feel that your credit bureau report is reporting incorrectly you would have to submit a dispute form to your local credit-reporting agency.
So, I'm a bit disheartened.  Are they really done responding to me?  Should I continue to send letters until they get sick of me?  Can I get in any kind of trouble for doing so?
Any advice, or at least a pep-talk, would be greatly appreciated...