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Did plenty of studying about unsuccessful makes an attempt with Barclays and fashionable bank cards on account of contracts with the credit score bureaus. After being informed “no” about 25x I lastly acquired my late eliminated. I’m closing on a home in 2 weeks and a single 60 day late dropped my credit score from 815 to 684. Raised my rate of interest from 2.75% to 4.0%, raised my mortgage cost virtually $700/month. My spouse’s been within the hospital for a month surrounding the late cost and the credit score firm wouldn’t make an exception even with me sending all of them our medical data.
Technique: 15 goodwill letters, despatched on daily basis M-F for 3 weeks, hoping to get somebody who would delete. Disputing 13x on the credit score bureaus. Emailing the CEO
I’m unsure what tactic lastly labored, I imagine it was an experian dispute that I then FWD’d to equifax and transunion. However can’t be positive it wasn’t the letter.
The chief workforce was 0% assist and actually fairly impolite. Simply wished to provide a datapoint that it’s nonetheless doable, nevertheless unlikely, and for those who care sufficient simply maintain making an attempt and hopefully you get fortunate as properly.
Proof: https://imgur.com/a/p3dMpNi
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