Chevron & Macy's Key Contacts

Alrighty then. Cap1 just deleted the two paid collections listed on all six of our CR's. I can see the finish line from here. All that's left is two paid collections. Chevron is reporting on EX & EQ. Macy's is reporting on TU. My scores all mid 600's now, so I'll be able to get the mortgage done (according to my loan guy), but I'd like to see if I can bump them some more.

Does anybody know of any reasonable person inside of either of these organizations? Someone like a Mr. Cooke who might be persuaded to do a goodwill deletion? If so, please either post or e-mail me the name and direct dial number.

Thanks to everyone for all the help along the way and Thanks In Advance for your help now.

 

Great idea. I don't know why I never thought of that.

Thanks!

 

Thanks Javan!

I'll get that sent out tonight. Think maybe I'll fax it to speed things up. Any E-mail address included?

 

It was two paid chargeoffs. They had been willing to go to R5, which they did. But, in the detailed report, though the balance was accurately reported as being zero, the current status said "120, 150, 180 days past due" depending on which report I was looking at. That was what I kept harping on. For reasons I'll never understand, Cap1 was just incapable of correcting those notations. I gave Mr. Cooke about ten chances, because I knew he was making a good faith effort; never doubted it. But, mortgage day is coming, and I finally laid it down for him; delete or meet me in court to discuss the wonders of Nelson v Chase Manhatten. They chose to delete.

So, advice; hmmm. Cap1 is probably the toughest nut to crack of any of the major OC's. They verify every single time. They'll produce your signature from nine years ago (ask me how I know!). The one saving grace, two actually, is that they have someone who will deal with you in a civil manner, and they have a major disconnect in the information flow between departments that coan work to your advantage; it certainly worked to my advantage. So, I guess the best non-specific advice I have for you is to simply keep engaged with them. If it's about the R5 thing, great; that's what I started with. In fact, getting those notations changed to R5 (which is a fully paid charge off, BTW-- there should be no difference to pay off) is what caused all those erroneous 120-180 day late notes to start showing up, which gave me the excuse to keep calling and asking for more. The best advice I can offer is to really scrutinize your Cap1 tradelines and make them cure any little defect you may find. Hopefully, this will lead to the same path I found myself on, which is long, but it has a very happy ending.

Good Luck!

 

Before I forget; what's LDOA? Left for Dead On Arrival?

I have to say that in my experience, Mr. Cooke responds to kindness and sincerity. I never did anything in writing with him, other than follow up e-mails, faxes, etc. In every case, I found him to be as good as his word. I simply discussed the situation, made reference to the negative impact this was having on my credit (recent cc turn downs-including Cap1- I did that just to prove the point), the implications of Nelson v Chase Manhattan were brought up several times. But I did it all in a very non-threatening way.

Finally, I said words to this affect to Mr. Cooke: "Look, if I wanted to sue, I already would have, because I've got all the evidence I would need. I've got notes from every time we've spoke, just as you do. I've got copies of cc turn downs and my CR's every week for the last seven or eight months while we've been trying to get this straightened out. I've got six different CR's that are still reporting these two accounts five different ways, which have all been confirmed in disputes within the last 90 days. So, really, if I wanted to sue Cap1, there's nothing to stop me, and I would win. You know it and I know it. Capitol One is on the wrong side of the FCRA on this one, despite your honest effort not to be. But, I'm running out of time. I have to qualify for a mortgage within the next month, and I just can't have those 120,150,180 day lates on my CR's when I'm trying to get a mortgage. You've tried several times (at least eight by my count). If you try to correct them yet again, what makes you think you'll be successful when at least eight prior attempts have failed completely? I'm certain your mother taught you the same thing mine taught me; 'If you can't say something nice, then don't say anything at all'. For whatever the reason, Capitol One is incapable of saying anything nice about me on my credit reports. Maybe it's time Capitol One considers saying nothing at all. Today is Friday. I'm going to call you back on Monday. I would like you to consider the potential costs involved of your two potential courses of action. You can go ahead and make another attempt at correcting the tradelines, and, hey, if you're successful, I'd be happy, because old paid collections aren't nearly as bad as current 180 day lates. But, again, what makes you think it will work this time, when it hasn't so far? The other course, I recognize, goes against Cap1's grain, but it cost nothing; cut your losses, quit wasting time on this, and delete the dang tradelines from all of our CR's. The second option has no potential monetary cost to Cap1 and puts an end to this silliness. The first option costs nothing if it works, but if it doesn't, my back is now against the wall, and I have no choice but to sue. I don't want that, but I will. I'll have to take time from work that I can't spare, fill out a bunch of paperwork, which I hate, but I'll do it. We're now talking about my ability to keep a roof over my family's head. I like you a lot on a personal level, but if Capitol One's actions are going to interfere with my ability to shelter my family, I don't have a lot of options. So, you think about it, and when I call you Monday, you tell me whether or not I'm suing Capitol One."

It may not be verbatim, but that's really what I said. I think of this as my Verbal Nutcase Discussion. I rehearsed it in my mind. The attitude I wanted to convey was exactly the true attitude I had; "Look I just can't play around with this anymore. Let's get it fixed or be done with it." Or, as the Tank Girl said at the end of the worst movie ever, "Guys, its' been swell, but the swellin's goin' down now."

 

PS

Still looking for a contact at Chevron...

 

Ahh so.

Thx.

 

Something I should have asked earlier. Javan, are you currently still a customer of Macy's? My account is a paid charge off, as is Chevron. No current business relationship to leverage.

 

javan,

I haven't seen any variations on the goodwill letter posted covering the paid charge off/paid collection situation. Could you post yours here so that we have one more reference?

Thx!