Has anyone had any success with a PFD with HSBC, if so, please tell you’re story. I am currently contemplating sending them an offer on a 5 year old debt to get it off my report. It is a charge-off that I want them to take off. I appreciate any insight…
Mar 162011
Mar 112011
I have some accounts that I settled on a few years ago and I would love to get them off my report early. Does anyone have email addresses for HSBC, Portfolio Recovery, Macys, Capitalone and Cashcall. If you do canyou PM me the info.
Mar 072011
Thanks to all the infomation I’ve gotten from this site. I mailed my first GW and PFD letters today.
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I did get approved for a Visa from HSBC with a limit of $500. The inquiry is showing already but not the account. When the visa account does show up will it have an affect on my score?
Mar 042011
I want to make sure I am sending these to the write addresses. I need to send a GW to:
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Capital One
HSBC Bank
Verizon Wireless
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Do I send these to corporate or is there a better address?Â
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TIA!
I have a HSBC rewardzone mastercard that I couldn’t pay so now the account is going to collections. I recently received the letter from the collections agency asking me for the full payment. I checked my credit report and the collections agency is not showing on there yet. I am now able to make the full payment because I just received my income taxes. The ploblem is I went on the HSBC website a couple of days ago and I made the payment for the minimum balance before I got the letter from the collections agency, and HSBC accepted the payment. I need some advice on if I should make the payment for the rest of the balance of the HSBC website or should I go through collections. When I called HSBC this Indian man told me that my account is with the collections agency, but I can make the payment of the HSBC website. So now I don’t know what to do. I’m hoping that if I make the payment on the website before the due date which is on March 14th I can avoid the collections, but I don’t know if that is possible. Please help. Thanks.
Feb 212011
I disputed 2 items with Equifax last month.
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There was a credit inquiry listed with no company name or information – Equifax verified it! No company name or information and it’s verified???
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I disputed an HSBC revolving account that was closed and charged-off. This dispute was investigated and “verified”.
Now the HSBC account is listed as collection and went from 0 balance to 968.
Now it has identical account number and balance as National Credit Adjusters. So they are now listed as duplicate collection accounts. My score dropped 40 points.
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Now I have to dispute these duplicate accounts.
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I have decided to handwrite the dispute and mail it to Equifax.
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Is Equifax the worst CRA?
Jan 282011
Here’s the story. I had an HSBC Best Buy CC that I paid in full and closed in August 2008. All three reports pulled on January 17, 2011 are accurate in showing it was paid and closed per my request, however they don’t show consistent lates between each CRA. Experian and Equifax were pulled direct from the source, however TransUnion was pulled from annualcreditreport.transunion.com if that makes a difference…
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Experian only shows a 24 month period (back to Mar 2007) and shows one 30D late on May 2007 and OK’s on all the rest however it states in the Payment Status section “Paid, was past due 60 days”.
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Equifax shows an 81-month payment history and shows a 30D late Apr 2008, Aug 2007, Jan 2006, Jun 2005 and a 60D Feb 2006.
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TransUnion shows a 48 month period (back to Sep 2006) and shows one 30D late on Dec 2008, Apr 2008, and Aug 2008. It does state in the Remark section “Account closed by consumer” and “>Maximum delinquency of 60 days in 02/2006<".
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So! I sent HSBC a GW letter to see if they’d be willing to “remove the adverse late payments being reported” and I got a phone call from a representative calling to make sure I am who I say I am and to verify the account is the right one since it’s been closed for 2+ years. She told me that she has consulted with her manager and that they looked into the reporting and saw inconsistencies between each of the three credit reporting agencies. I asked if she could provide me with the dates of the late payments and she replied, (yes, I’m quoting) “Since the account has been purged from our system I don’t have access to the account history so I’m not able to provide you with those dates. You will have to call each of the credit bureaus to get that information”. I then asked, “You’re the reporting creditor, you’re furnishing this information to the credit agencies, but you can’t give me those dates?”. She said, “No, I can’t access your account, so therefore I can’t look at the payment history.”
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Since it seems as though they can’t give ME the dates of those late payments, let alone much of the history of my closed, “purged” account, can I ask each of the CRA’s to validate specific late payments? Or can I only ask them to debt validate the whole account?
Jan 182011
After having written a ton load of GWs to HSBC in the past year and getting no luck, i sort of gave up. I am restarting my effort at having this paid off but with lates account GWilled, erased or what ever else. Paid it off in o8 with abunch of lates. Falls off in 2014. Now that HSBC is no longer in the Auto loan business maybe I stand a chance. Wont know till I try. Any thoughts????
Jan 062011
I’ve been GW-ing HSBC for months with no success, BUT today I have a good feeling the letter I just put in the mail is the one!
Has anyone had success with HSBC and an address in upstate NY?Â
Dec 282010
I was wondering if anyone had any success in removing any discharged debts by GWs? I have Cap 1, HSBC, First Premier and Cash Central I would like to remove.
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 I have had the CAs removed but having problems with the OCs who state that they have no records and to deal with the CAs.
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Any input would be welcome.