I just discovered that I have a 30-day late showing from US Bank on a CC account on just one of my credit reports. Can anyone tell me how US Bank is with GW letters and what the best address is to write to?
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days... May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
When sending a GW you should mail to addy on your CR.
When is the late from? if it is older then 2 years leave it alone.
If you were never late just file a dispute with that CRA......never late.
If the late is reported correct.....I would not let the CC know that it is only reporting on 1 CRA....they might correct it & you will see it on all 3. Even if you do not state it.......they will update all 3.