Macys

[nicoleq31]

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

[Tuscani]

Try a GW letter to Macys.

[Anonymous]

---

@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?

[nicoleq31]

Hello,

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

Thanks for your help

[Anonymous]

---

@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.

[nicoleq31]

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.

[Anonymous]

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.

[Anonymous]

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.

[Anonymous]

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.

[Minnie]

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.