One is for Target (one 30 day and one 60 day). Account is still open. The other is for Belks (probably 7 30 day 2 60 day and 1 90 day). The account is listed as closed by creditor. I disputed as never late with each of the CRA and so far, both Equifax and Experian came back verified. What should I do now? I have contemplated both Goodwill and Nutcase. I don't want a line of credit from either. I just want the lates off. Has anyone had experience with Belk's? Does anyone know where my letter should go or to whom? What about Target??? TIA
any word or reply from anyone yet? I've got late TL on my Belk card too; they seem to report every little "late"!
The first thing I'd do is review my records. You should be saving each monthly statement and the check each was paid with. Find out if those 30 day lates really are 30 day lates. You can send your evidence to the credit bureau where it will be illegally ignored, or you can try going after the OC.
The lates are accurate. They just report EACH AND EVERYONE no matter what. I just don't know if I should try the Goodwill or Nutcase first. If I try Goodwill, and it doesn't work, could I try Nutcase??? thanks
Here's one I borrowed from here. However, I think it applies if you will continue to have a relationship with the creditor. I will not as my account is closed by them paid in full. I don't know what to send them due to the fact that I had quite a few lates and the acct. is closed. They verified my lateness to the CRA. Date Regarding: Account No. XXXXX Sears NAAC ATTN : Credit Bureau Desk 13200 Smith Road Middlebrook Heights, OH 44130 To Whom It May Concern: I am writing a letter about my experience with Sears that is a mixture of a grateful "thank-you" and a pressing request concerning a Sears Charge Card tradeline in my credit files that I would like to have revised. I received the Sears card in [YEAR], several years before I [CHAOTIC LIFE EVENT -- A MOVE, A BIRTH, MEDICAL SICKNESS, ETC.]. Later when I experienced the [CHAOTIC LIFE EVENT] and while working on [WORK PROJECT], I became disorganized with respect to, as you saw, making timely payments with Sears. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Sears since that time. To be honest, that year was a "wake-up" call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the Sears card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. We are about to shop for a mortgage, and it has come to my attention that the late notations from Sears may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with Sears, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service repesentative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Sears, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very hopefully yours, Name Address City, STATE ZIP
