Hi all – hoping that someone can assist.Â
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I have got a WF Financial CO on my CR. I found a number to call and eventually got a fax number to send my GW letters to….as they insist that for WFF that is the ONLY way they will accept communication. Well long story short…they wouldn’t remove the record from my CR.  BUT, they did remove all of the lates from EQ and TU….EX (obtained from an LO) is a different story. This is still showing me as having 30, 60, 90 and 120+ lates.  Â
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On TU it is showing as “charged off as bad debt”, 0 balance, with no lates and an estimated date to fall off of 02/2011.
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On EQ it is showing as 120+ days past due, 0 balance, with no lates
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On EX it is showing as “charged off as bad debt” , 0 balance with the following:
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Account History:
Charge Off as of Oct 2004 to May 2006
180 days as of Jun 2006
150 days as of Sep 2004
120 days as of Aug 2004
90 days as of Jul 2004, Jun 2004, Sep 2003
60 days as of Aug 2003
30 days as of May 2004, Apr 2004, Jul 2003
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I have GW’d until the cows come home…and like I said they at least removed the lates from EQ and TU….but I’m afraid to go any further as I worry that they may add the lates back on, but I’m thinking that if someone has had luck in the past with an email address, it’s possible I may be able to get it removed. Â The debt was paid in full to the CA and that was removed from my CR.Â
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Should I try? Or let this sleeping dog lie and wait until the 2011 drop off date?
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TIA for your assistance!Â