Posted this a few days ago but hoping someone else may have input... 1) I have a credit card (First National Bank of Omaho, prev. First Bankcard) that we just finished paying off. I have a long history of 30 day lates, a 60 day late, and 1 90+ day late (consecutive 12/00-30, 1/01-60, 2/01-90). I have made perfect payments over the last 2 years. Does this sound like a scenario where I could use a Goodwill type letter and implore them to make my account in good standing since I've since turned things around? 2) I have a Target Guest Card (RNB) that I thought had been paid off long ago. I have my own notes on the conversations with them. At one point I pulled my CR to see where we were at and discovered a collection from them I knew nothing about. When I contacted them, they did not have my current address and said that they would remove the collection because I had not been notified. Then they said I needed to pay the debt before it could be done and that I should go to the store and pay cash because that would clear faster. I have documented when I paid, what was said, and follow up phone calls that were returned originally and as the problem failed to resolve, not returned. I was very frustrated and unaware of my rights and never followed up on it. Would the best step be to dispute with the CRAs or go back to RNB first? If RNB, do I write a goodwill letter or submit all the notes I have and make demands? Scores--EQ/TU 654 DH, 661 Me
