CU sent a response to my GW letter[ Edited ]
01-02-2009 07:56 PM - edited 01-02-2009 07:57 PM
Three years ago I paid off a 5 year auto loan that I had for $27,000 with my credit union, where I've had an account for almost 30 years. They are reporting six 30 day lates to all three CRAs so I sent them a GW letter. I told them one of the month's that is being reported late is because my check was deposited into my dad's account instead of mine (which is off by just one digit).
They sent a letter back stating the following:
That they have found the information that is being reported in my credit profile is correct.They do not want to endanger my credit ratingor destroy the good relationship I have maintained in the past. They have notified all three CRAs that the information that was reported is correct and no changes will need to be made.
Does anyone know of a good response to this that I could send to them? I don't know why they act like the information they are reporting is correct as though it would really kill them to stop reporting the 30 day lates. This is going to remain on my CR for another 7 years, since paid accounts remain on CRs for 10 years after they are paid off. Is this really hurting my FICO since the lates are over 3 years old? (as in would it really make a difference if they are there or not?)
April 2009: TU 768
March 2009: EQ 671
February 2009: EQ 666
January 2009: TU 667 | EQ 620 | EX 669
December 2008: TU 651 | EQ 625 | EX 649
April 2008: TU 642 | EQ 636 | EX 635
November 2007: EQ 542
November 2006: EQ 501