Comenity Goodwill First or Dispute W/CRAs?

[HouseBound0829]

Hello All,

 

After reading (Why Chat), and reading(Psyc Doc), and reading... I am still confused as to HOW to attack recent lates. I am hoping (Please show mercy!) that you all can help point me in the right direction. I have three cards with Comenity. All three went late at the end of last year/ beginning of this year because of unexpected medical expences that could not be avoided... I have made things right by paying down/catching up on payments. I am now current on these accounts, however the lates are glaring on my report. The three cards are listed as below:

 

1. Victorias Secret: Limit reduced to -0- but pays as agreed. Account is still open but has 0 available credit. I owe 500.
2. One Stop Plus: Limit reduced to -0- Paid in full zero Balance. Account is still open but has 0 available credit.
3. Woman Within: Limit reduced to 100.00 Zero balance. 100.00 Available credit.

My question is should I Goodwill these cards first or Dispute them (I believe some of the lates are not accurate)? If I Goodwill them do I send the letters to one address for all three accounts? Many thanks to all of CBers for helping me see light at the end of the tunnel of credit despair....

[moosetracks]

You would send 1GW letter at a time to the Comenity Capital Bank Exec Office, however if you have a legit problem with an erroneous late I would first send a section 623 dispute directly to CCB