OMG Again! Discover did me a favor

Discussion in 'Credit Talk' started by DaveLV, Jul 5, 2001.

  1. DaveLV

    DaveLV Well-Known Member

    Here is a summary of my Discover lates as of March (don't laugh) from my Experian report:

    150 days as of 10-1996
    120 days as of 9-1996
    90 days as of 9-2000, 8-2000, 4-1997, 8-1996
    60 days as of 7-2000, 2-2000, 8-1999, 3-1997, 7-1996, 6-1996
    30 days as of 6-2000, 1-2000, 7-1999, 3-1999, 10-1998, 4-1998, 1-1998, 10-1997, 7-1997, 2-1997, 5-1996, 10-1995, 4-1995, 9-1994

    Here is the same tradeline as of today!!

    90 days as of 9-2000, 8-2000
    60 days as of 7-2000, 2-2000, 8-1999
    30 days as of 6-2000, 1-2000, 7-1999

    My Discover account has never been disputed with Experian. They must have removed the prior lates as a result of my letter to them!
  2. nursie

    nursie Well-Known Member

    Ok, dear Dave. Can ya post the letter????
    I've been wondering how to get rid of multiple negs. I have one acct that looks like that (except there's no 120 or 150...holy cow!) :)
  3. DaveLV

    DaveLV Well-Known Member

    I've been meaning to sit down and type this back in. For some reason I didn't save the electronic copy.

    It's at the office and I am planning on sitting down and typing it out again this weekend for everyone. It's long and sappy and really the story of my laziness -- hence it's a bit embarrassing and that's probably why I haven't gotten around to retyping it. The bottom line is there is really no good reason I didn't keep up with my payments, and I told them so.

    I never asked them to delete the lates.
  4. nursie

    nursie Well-Known Member

    Well, whatever you said worked! Maybe sappy is more effective than hardnose. I can do sappy.
    Did you ask for anything, or were you just saying sorry?
  5. DaveLV

    DaveLV Well-Known Member

    I asked them if they could credit any late or overlimit fees (I've paid this account from a $1,900 balance in March to a $600 balance as of today) and asked them if there was any way they could possibly reinstate the account even at a miniscule credit limit.

    They credited about $100 in late/overlimit fees and did a hard inquiry with Equifax to see if they could reinstate. They did not reinstate because of a totally bogus repossession from Ford Motor Credit (do a search and you will read all about my story with them).

    If I ever get this junk with Ford cleared up I will ask them to take another look.

    I never asked in my letter for them to make any modifications to the way they were reporting my account -- I figured I deserved it.
  6. nursie

    nursie Well-Known Member

    Mine's with Associates. They closed it long ago & I've been making regular payments on it. I'm going to pay it down & maybe ask them to reopen it. I just don't know how to word it so they're convinced. That would be great if they reopened AND got rid of the lates.
  7. DaveLV

    DaveLV Well-Known Member

    The trick with Discover was to find the right person. A poster on this board suggested I write to a specific individual at Discover who was able and willing to help.

    Perhaps someone here knows such a person at Associates.

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