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Looking for advice.

Established Member

Re: Looking for advice.

Ok, so i should send GW to everyone that has been paid, but still shows up on my CR?


Lets say I have Bank A on my report and they sold my account to Collector B. I paid Collector B, but both are still showing on my report. Do I send a letter to both?

Message 11 of 14
Moderator Emeritus

Re: Looking for advice.

Yes, you would send a GW to both.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 12 of 14
Established Member

Re: Looking for advice.

OK, Thanks.

I read a few GW on this forum and have a starting point.

From what I understand, it can take upto a month for a reply.


One last question, can I just call them or stick with a letter?


I'll revive this topic again once I have a update, I'll also keep a eye here for any new advice.

Message 13 of 14
Established Member

Re: Looking for advice.

I received a letter from one of the banks, Chase.


It states that they are unable to request the removal of the late payment. Delinquency information is furnished to the credit bureaus when two consecutive payments are missed. To preserve the integrity of the credit gueau reprting system, we are unable to alter valid information that was previously reported.


Whats my next step? Do I call the number?

I was really hoping this would work.



Message 14 of 14