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@morganirish wrote:
I have a newport news card with them, and I messed up too. I paid it off and then closed it back in 2005. About three weeks ago I wrote them a GW letter asking them to remove the lates, no response to that, but last week they sent me a new card with the original account number and original credit line. I am hoping they will remove the lates, they are almost five years old so maybe they will.
In my experience with WFFNB, they can't/won't remove the lates, because they don't keep records that far back.
You could dispute them with each CRA and WFFNB won't respond.
Of course, you shouldn't be sending out disputes for accurate info, y'know?
@ma_fico wrote:
@morganirish wrote:
I have a newport news card with them, and I messed up too. I paid it off and then closed it back in 2005. About three weeks ago I wrote them a GW letter asking them to remove the lates, no response to that, but last week they sent me a new card with the original account number and original credit line. I am hoping they will remove the lates, they are almost five years old so maybe they will.In my experience with WFFNB, they can't/won't remove the lates, because they don't keep records that far back.
You could dispute them with each CRA and WFFNB won't respond.
Of course, you shouldn't be sending out disputes for accurate info, y'know?
To clarify: I was referring to disputing the lates, NOT the tradelines! You don't want to lose your TL.
@ma_fico wrote:
@ma_fico wrote:
@morganirish wrote:
I have a newport news card with them, and I messed up too. I paid it off and then closed it back in 2005. About three weeks ago I wrote them a GW letter asking them to remove the lates, no response to that, but last week they sent me a new card with the original account number and original credit line. I am hoping they will remove the lates, they are almost five years old so maybe they will.In my experience with WFFNB, they can't/won't remove the lates, because they don't keep records that far back.
You could dispute them with each CRA and WFFNB won't respond.
Of course, you shouldn't be sending out disputes for accurate info, y'know?
To clarify: I was referring to disputing the lates, NOT the tradelines! You don't want to lose your TL.
Worked for me!!!! mine was pretty bad too...GONE!
@morganirish wrote:
No, it worked. They removed my lates. I never disputed with them. I acknowledged that I was late. I just told them that "back then I thought if I had credit I have money. And now I know better. And will never be late again. LOL.
That's cool! With me...the acct had long been closed & paid off. I just still had the acct showing with lates up to 150 days!!!
I mean...I paid them $580 on a $250 card limit! Yeah, I screwed up, but they got their 2 pints of blood out of me.