I just started cleaning up my credit report -- mailed a stack of 10 or so GW and PFD letters last week. I keep reading how lenient Navy Fed is + they just approved me for 5K in credit so I sent a GW through their online message service thinking this would be an easy win but nooooo:
Thank you for using Navy Federal’s eMessaging Service. Navy Federal does not remove accurate reported information from the credit bureaus. If you feel information reported is incorrect, you may file a dispute with the credit bureaus. Navy Federal reports to the three major credit bureaus; Equifax, TransUnion, and Experian. It is the responsibility of these agencies to update credit reports with the information received from creditors. Investigating credit discrepancies and resolving disputes is also their responsibility. Each credit bureau accepts disputes online, by phone or by mail etc. etc. etc.
It was a loan I opened in 2003 and paid off in 2006 so I assume it wouldn't have made a huge difference anyway. Then again I probably shouldn't have taken the easy route and should have called or sent snail mail...
Starting Score: EQ FICO 588 EX FICO 587 TU FICO 588