So after spending some time and doing research here i can say i have had my first success. So some back story, i had a small Credit One card that i let go of and failed to remain consistent with it. Well it was finally closed December 2017, i didn't get around to paying it off until last month. I was able to pay just the balance owed and not the extra $$$ in fees and late charges. I sent out a GW letter to a Senior Customer Servive Manager who works in the executive office on Friday of last week 21st September. This is what i received today.
"September 28, 2018
Office of the President
September 28, 2018
Dear ********,
Thank you for bringing your concerns to our attention. Credit One Bank continually seeks ways to improve the experience of our highly-valued card members and maintain a strong, enduring business relationship. We will continue to make every effort to serve your needs in a manner more consistent with your expectations and our high standards.
Credit One Bank received your communication on September 21, 2018.
As a courtesy, our office initiated the process of removing the delinquencies previously reported for August 2017 through December 2017, Jan 2018, and April 2018 through August 2018 from your credit history. Please allow the consumer reporting agencies 60-90 days to update their records. If you need to provide evidence of the requested change prior to the consumer reporting agencies’ ability to update their records, please provide a copy of this letter.
The following are the consumer reporting agencies to which we have provided the aforementioned information:
Experian: 888-397-3742
TransUnion: 800-888-4213
Equifax: 800-685-1111 or 888-766-0008
If you have additional questions, please call Customer Service at 877-825-3242 between 5:00 a.m. and 9:00 p.m. Monday through Friday, or between 6:30 a.m. and 5:00 p.m. on Saturday and Sunday (Pacific Time).
Sincerely,
Credit One Bank, N.A.
CS/all"
This is the worst thing on my report from the past 1.5 years reporting 150 days past due, the next is a single 30 day In Jan 2018.
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