Recieved this letter from a creditor where I disputed a late payment: Dear martig4, In regard to your request about your credit file with VISA, we contacted VISA directly and they reflect a 30 day past due last year. They were unable to specify the exact month. Statement copies are $5.00 each, if you would like to request copies, we can deduct the funds from your account. If there is an error on your account that was VISA's we would be able to refund the statement expense, and notify Equifax of the correction. Sincerely, IDIOT CREDITOR Seems to me I have two or three violations here for starters. Attepmpting to charge for an investigation and admitting but continuing to report a late pay. This is my only derog left, one 30 day late that can't be determined IF OR WHEN it occured. I sent a tersely worded letter to the President of this bank (it is a small institution) in hopes it will be resolved. Next, I think will be an intent to sue.
Thought I'd play nice first. I just want the damn thing removed. If they don't I already have violations then they will get my DEMAND for $500,000. I do want to maintain a positive relationship if possible. They gave me credit when no one else would touch me.
I agree. Play nice first, then get mean. How did the Amex situation resolve itself? Did you get 3 personal/2 bus cards?
