topic Re: Macys in General Credit Topics

Macys

nicoleq31 — Fri, 22 Jun 2007 00:07:51 GMT

Good evening,

I just had a quick question, is there any way I can dispute late payments?

120 days late 10/02

90 days late 9/02

60 days late 8/02 and 5/02

30 days late 7/02 4/02 and 3/02

Would I write to Macys directly or to the 3 agencies?

Thanks alot

Re: Macys

Tuscani — Fri, 22 Jun 2007 00:23:37 GMT

Try a GW letter to Macys.

Re: Macys

Anonymous — Fri, 22 Jun 2007 00:35:19 GMT

@nicoleq31 wrote:
Good evening,
I just had a quick question, is there any way I can dispute late payments?
120 days late 10/02
90 days late 9/02
60 days late 8/02 and 5/02
30 days late 7/02 4/02 and 3/02
Would I write to Macys directly or to the 3 agencies?
Thanks alot

This will need to be one heck of a GW letter.
Late on half of your payments is gonna be tough.
Have be current after 02? Do you still have the account in good standing?

Re: Macys

nicoleq31 — Fri, 22 Jun 2007 01:49:11 GMT

Hello,

This account is marked as closed by credit grantor. The balance is 0.

Thanks for your help

Re: Macys

Anonymous — Fri, 22 Jun 2007 02:27:23 GMT

@nicoleq31 wrote:
Hello,
This account is marked as closed by credit grantor. The balance is 0.
Thanks for your help

How is your current credit?

One method may be to talk to then about opening another account and having them delete this one.

Re: Macys

nicoleq31 — Fri, 22 Jun 2007 02:50:16 GMT

My credit score has been improving. Experian is at 692, Transunion at 731 and Equifax is at 702.

I am almost positve that the last two scores went up because the first one went up 20 points today.

Re: Macys

Anonymous — Fri, 22 Jun 2007 03:14:14 GMT

Your scores are in good shape so you have obviously been doing what you should be for the last 5 years.

I would give them a inspired GW letter and tell them you are considering re-applying as you still shop there all the time etc. but miss your Red Star rewards.

Re: Macys

Anonymous — Sun, 09 Mar 2008 14:37:17 GMT

I just got a GW on a 2 30's and a 60 day late with Macys over the phone. They were really nice about it too. My account is still open and I use it often though so that might have helped.

Re: Macys

Anonymous — Sun, 09 Mar 2008 17:33:09 GMT

I had 2 - 30 day lates removed by just calling them. They were pretty quick to agree to remove it - now I'm just waiting on the bureaus to update.

Re: Macys

Minnie — Sun, 09 Mar 2008 20:46:35 GMT

I had a very recent 30, 60, and 90 removed and account re-opened after being closed by Macys. I used a GW letter. I've heard others on this board say good things about Macys removing baddies.

Re: Macys

Anonymous — Wed, 12 Mar 2008 12:16:15 GMT

What did you write in your good will letters? and where did you send them?

Re: Macys

Anonymous — Wed, 12 Mar 2008 12:16:31 GMT

Re: Macys

Anonymous — Thu, 02 Oct 2014 04:54:30 GMT

Reviving this thread in hopes of someone that was in my situation and was successful would comment.

I'm curious to know which number you called, and where you sent your GW letter. I called a "back door" number today and got the "I sent it in to review to our online team to check if you ever opened your statement online" .... I told them I didn't recieve statements at one point for 3 out of my 4 lates and the 4th one I was having financial problems so I fell late. three-30 day lates and 1-60 day late since 2012.

I called an 800 back door number I found here and spoke to a rep... she looked into the account and found four lates in 2012. I've had this account since 2006 (it was closed and re-opened in 2011 so I guess thats what they see).... 3 lates are 3 months in a row (30 days) then another is 60 day late. She said she would have to find an error on their part. I told her I wasn't getting statements so she said at around that time i was setup for online billing so shell send it for them to review. If they cant prove that I opened my statements online then they may remove them (I only registered my online account last week) so hopefully this would work. She seemed very kind and helpful over the phone so I am hoping this works.