My GW Journey...

[Schoolbuskid]

Macy's- Currently looking into removing all lates

Chase- Denied me 2-3 times

Kay Jewelers- Denied

Local Credit Union-Denied

Walmart- Currently looking into it

Capital One Acct #1- Removed all lates

Capital One Acct#2- Lates still remain (just havent been updated i guess?)

No matter the outcome gotta keep on pluggin away!

[Anonymous]

Hi Schoolbuskid,

Nice work on getting the lates removed on that Capital One. Did you just email or did you send letters as well? I sent an email and got denied and have sent some letters in the mail and have not got a response. I am wondering how many times it took to finally get them removed.

Keep working at it and good luck!

-Sheadogg

[Shogun]

You got capital one to delete lates?  You must be doing something right.  Great job...  Keep it going...

[Schoolbuskid]

Sheadogg,

I use the backdoor number found here and spoke with an Account Specialist. She disputed the account for me as a hardship, she did not guarantee that the lates would be removed but notified me that it could take 60 to 90 days for the bureaus to update.

[Schoolbuskid]

Updates:

Macys- Contacted them to day they obviously forgot to send out the initial letter(protocol), lady said they were sending another letter out today, i dont have a good feeling about this. Its so silly they we cant just communicate through email or telephone contact. 

Chase- waiting for the 1 month mark to send again. ( they've got a hit on me)

Kay Jewelers- waiting for the 1 month mark (they dont budge at all)

Local Credit Union- Sent them another letter last week or so, they havent responded (they're giving me the silent treatment)

Walmart-Received a letter today stating they were investigating my inquiry should receive letter soon.

Capital One Acct# 2- Lates were never removed, will try calling Account Specialist again. 

If i was in a position of power to to help someone in a powerful way such as this i  wouldnt hesitate, just my 2 cents.

Anyways wish me luck! 

With God anything is possible! 

[Anonymous]

Hi Schoolbuskid

I got a letter from GEMB saying they sent a request to delete my lates and they're still there from two months ago.  

How long did it take for your CapitolOne#1 lates to get deleted I wonder?  Maybe sometimes it takes 90 days?

-Timesick Son of a Grizzly Bear

[Schoolbuskid]

Within 2 days of calling cap one they had the lates removed. It  hardly ever takes the full 90 days.

[Anonymous]

Guess I need to call and find out whatup.  Thanks. 

Stay on'em

[Schoolbuskid]

I called back today i spoke to two clueless account specialist, they had no idea of what i wanted them to do. try again soon. 

[Schoolbuskid]

Capital One Acct 2- They finally deleted the lates as, i received the letter in the mail today!