No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I had an account with credit one back in 2013-2015. Several late payments. Mostly 30 days but one 120 days. Paid it in full and cut the card up. They closed the account in 2015. In an attempt to write a GW letter I contacted the customer service # twice to obtain my account number and was told both times the account was deleted and they have no info on it. No account #, no payment history, nothing. At this point if they can't validate the info would I not be better disputing it since they can't validate anything? Would it hurt to try both at the same time?
CSR's may not have access to your account. But internally you still exist. CO is known to have a small heart with GW's. Go that route first. If you dispute accurate info and it updates. It can ding you as a new update. You can place your personal info in the letter with a copy of your DL. Bunch of astericks with the last 4 SS numbers. Good Luck!
Why not try Disputing it then if they do send a letter of validation then send the GW?! just my thoughts....actually @FireMedic1 makes a good point do you know if you were just talking to a CCR or were you talking to someone higher up!? You wouldn't want to make it current if you were just dealing with a smaller Representative in that case I would reach out fingers crossed and address to the CEO or someone in charge. If you do snail mail always make sure you get a signed received receipt
When you say know to have a small heart, I'm assuming that means they're not very forgiving?
I meant they do GW's more than most of the creditors that are brought up on the site that had success. More positives than failures. In other words you have a better chance at getting r done. Good luck!
If I don't have the full account #(credit report shows all but last 4 digits) how should I reference myself? Use the last 4 of my social and whatever information I have or should I provide my full social in the letter?
Header of letter
Name
Address
Phone number
Last 4 numbers of your SS # ***-**-1234.
Copy of DL
I emailed the president of credit one the below letter.
"4/23/2020
Regarding: Account #*************
SSN# XXX-XX-XXXX
Dear Mr. Dejong,
I opened an account with Credit One in December of 2013. At the time I was trying to rebuild credit. Unfortunately I failed to take the obligation of credit responsibly and had several missed payments.
My then fiance and I were planning a wedding for August of 2014 and two months before the wedding I fell between jobs. I know that there is no excuse for failing to meet a financial responsibility and I owe you a sincere apology. Like many young couples we were in a money pit. I paid off the account in February of 2015 and kept it in good standing until the time the account was closed.
Fast forward a few years and I'm doing a few things right. We're still married, I take her on a “date night” once a month. We've had two amazing kids. We moved across the country to Texas. Now we're looking to buy a house. Unfortunately with with everything going on in the country right now those late payments might negatively impact my ability to get a mortgage.
I know that in two years the late payments will fall off my credit, but I'm asking if you can forgive my past mistakes. We all stumble every once in a while and sometimes we just need someone to help pick us back up. Would you give me a second chance at a positive credit rating by deleting the late payments reported thethe three major credit bureaus? I sincerely appreciate you taking the time to read this and wish for a gesture of goodwill.
Kindly,
<name>
My address
my phone number"
I just now, only an hour or so later got an email back.
"
Good Afternoon ,<name>
This office has received your request. We will respond to your request by mail within 7-10 business days. If you have any questions, please contact our Customer Service Team at 877-825-3242, Monday through Friday, 5:00 a.m.to 9:00 p.m., and 6:30 a.m. to 5:00 p.m. on Saturday and Sunday (Pacific Time).
Thank you"