I am working on my credit report because we are going to apply for a mortgage loan in the next couple of weeks.. I called Target because they have a 90 day late reporting on my TransUnion file that I've disputed several times and comes back verified. I spoke to a customer representative and she said that she would put in a request to have my payment history adjusted and that I would get a response in 10-15 days.. Has anyone ever done this and gotten positve results?
Hi! I called Target back in FEB to get them to remove a 60 day late from 1997. I just found out that they did submit info to the bureaus to have this information removed. However, they told me that it can take 60-90 days before it will show up on our credit report. HOWEVER, if they do agree to take the late off, they will send you a letter. You can then give a copy of the letter to the lender. That should be sufficient. Anyway, good luck!
If they send you a confirmation letter, you can fax that to the cra's and they will remove the lates in 3 - 5 days. Or so they say.
Target does remove lates. I had an old 60 day and a couple of 30 day lates removed. I used the goodwill adjustment letter and sent it to the consumer advocate at the corp. office. It took about 30 days for them to get back to me. it was already off 1 cra before I got a response!
Hi! I just wanted to add that I pulled my credit report today. I only requested that Target remove an old 60 day late. However, when I checked the report they removed all of the lates (I had a couple of 30 day ones). So now the acct is reporting that I never had any late payments. WOW..and all of it showed up much sooner than they said it would. I'm so glad I asked them to look into it now. Good luck! Hope everything works out for you too.
