Hey guys! Something crazy but good has happened regarding my mother's credit and I thought I would share and see if anyone else has had this happen to them.
At the end of July I sent a GW for my mother to HSBC Beltone. She had one 30 day late payment on a hearing aid that she financed with them. I asked if they would remove the late pay. Late last week I got a email update from the CRA's saying the account had been updated. They changed the account from HSBC Beltone to an HSBC RS account showing it paid in full and removed the late pay so it went from a negative account to a positive. WOOHOO. Yesterday I check the mail and Mom has mailed me the reply she received in the mail from HSBC. It states that they would be unable to change anything on her credit report as they report to the CRA's exactly how the account has been paid. But they did change it with all the CRAs....now I'm not arguing or questioning what they have done because it's great but I just thought it was strange that a week ago it updated in Mom's favor and then we get a letter saying they can't change anything. I don't think the right hand knows what the left hand is doing there but in this instance it was lucky for us.
Here are the rest of the results we've had in 3 weeks:
HSBC/NV FKA HHLB ~ Sent a GW and account deleted from all 3 CRAs. The account had 2-30 day lates
Midsouth Credit Bureau ~ sent DV and received no response and the account has been deleted on all 3
Bank One and Citibank ~ Sent GW letters on both accounts asking for deletion. The accounts were settled about 6 years ago after CO. Citibank deleted from all 3 bureaus and Bank One has been removed from EX and TU ...always waiting on EQ.
Speigel ~ GW letter sent on an account that was CO'd but PIF about 2 years ago. Their response was that they couldn't find the account in their database and suggested that we dispute with the CRA's. I disputed on Monday and yesterday the account was deleted from TU and EX...waiting on EQ.
Palais Royal ~ duplicate account deleted from EX and TU ~ still waiting on EQ.
A NCO collection was removed from EX and TU by disputing...nothing from EQ yet.
Oh and her old Foleys account was transferred over to Macy's during the buyout. She never used it as it only had a $100 limit but I noticed the other day that they had raised the CL to $500 so we called and had them issue her a new card...so she has another active TL now.
I've written up PFD's to Cap1, 7th Avenue and Palais Royal and GW's to a local bank she had a loan with them in 2001 that shows 1 30 day late and to a hospital that shows a paid collection. We are waiting on a reply from GMAC on the GW we sent asking to remove 1 30 day late.
I think the major hold up was that we dispute EQ thru EQ and not CSC. I realized I had made that mistake and have disputed them properly now. Received a letter a couple days ago telling us to do that but I already had the jump on them so hopefully EQ will catch up with the other 2 soon. We haven't bought her updated scores yet...waiting to see what will happen the letters.
So IMHO we've had a GREAT deal of success!! Couldn't have been done without this place! Thanks everyone!!
