So on my experian app it shows having a 120+ days late on my synchrony bank/PayPal back from May 2019. I've been sending GW to many people each Monday I hoped of getting it removed. I received the below letter from their customer service. If I'm reading this correctly it says there shouldn't be any missed payment being reported correct? Or am I reading it wrong?
If it's saying there shouldn't be any missed payment should I try and dispute it with Experian using this letter as proof? I don't want to dispute it and have them refresh the miss payment.
You confirmed this is showing up on your real reports found at: https://www.annualcreditreport.com/ ?
@tcolesz12 wrote:So on my experian app it shows having a 120+ days late on my synchrony bank/PayPal back from May 2019.
0/6, 2/12, 7/24
@GZG wrote:You confirmed this is showing up on your real reports found at: https://www.annualcreditreport.com/ ?
@tcolesz12 wrote:So on my experian app it shows having a 120+ days late on my synchrony bank/PayPal back from May 2019.
Yes I just checked all three having it being reported as a missed payment.
Equifax- 150 April 2019
Experian- 150 may 2019
Trans Union- 120 may 2019
I know I missed the payment that's why I was trying GW. Just don't know what to think about the letter I received in the mail from them though.
First look at all your real reorts as @GZG posted. If it not there. All's well. If not. Take that letter, make copies, and type a letter as a dispute and send it off to all 3 CRA's. Certified return reciept. See what happens. They say no negs. Give it a shot. No results. File a CFPB complaint. Dispute letter templates are online.
@FireMedic1 wrote:First look at all your real reorts as @GZG posted. If it not there. All's well. If not. Take that letter, make copies, and type a letter as a dispute and send it off to all 3 CRA's. Certified return reciept. See what happens. They say no negs. Give it a shot. No results. File a CFPB complaint. Dispute letter templates are online.
Yeah, all three are showing the lates. I will be sure to make copies of the letter and send them to the big 3 including the certified. Hopefully, the letter is enough to get the negs taken off.
@tcolesz12 wrote:
@FireMedic1 wrote:First look at all your real reorts as @GZG posted. If it not there. All's well. If not. Take that letter, make copies, and type a letter as a dispute and send it off to all 3 CRA's. Certified return reciept. See what happens. They say no negs. Give it a shot. No results. File a CFPB complaint. Dispute letter templates are online.
Yeah, all three are showing the lates. I will be sure to make copies of the letter and send them to the big 3 including the certified. Hopefully, the letter is enough to get the negs taken off.
Its there in black and white. Good luck keep us updated.
@FireMedic1 wrote:
@tcolesz12 wrote:
@FireMedic1 wrote:First look at all your real reorts as @GZG posted. If it not there. All's well. If not. Take that letter, make copies, and type a letter as a dispute and send it off to all 3 CRA's. Certified return reciept. See what happens. They say no negs. Give it a shot. No results. File a CFPB complaint. Dispute letter templates are online.
Yeah, all three are showing the lates. I will be sure to make copies of the letter and send them to the big 3 including the certified. Hopefully, the letter is enough to get the negs taken off.
Its there in black and white. Good luck keep us updated.
Will do so all my letters were delivered yesterday so I guess it's time to wait and see what they say. Will keep everyone updated.
unforutnatly the credit bureaus dont talk to each other - if one removes it it does not gaurantee the other two will - i had synchrony grant me a goodwill and removed 6 late payments off my old account but equifax kept one - i sent this exact letter to them and equifax immediately removed the lingering late - @tcolesz12 so yes i would recommend you send this letter to all 3 CBs and tell them that the account should not have any lates according to the creditor (using factual disputing does yield good results when you have definitive proof)
@7774x wrote:
@FireMedic1 wrote:
@tcolesz12 wrote:
@FireMedic1 wrote:First look at all your real reorts as @GZG posted. If it not there. All's well. If not. Take that letter, make copies, and type a letter as a dispute and send it off to all 3 CRA's. Certified return reciept. See what happens. They say no negs. Give it a shot. No results. File a CFPB complaint. Dispute letter templates are online.
Yeah, all three are showing the lates. I will be sure to make copies of the letter and send them to the big 3 including the certified. Hopefully, the letter is enough to get the negs taken off.
Its there in black and white. Good luck keep us updated.
All you need is for 1 Creditv agency to remove item,, other 2 will follow up & remove
