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Macy's Lates Deleted


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Macy's had two 30 day lates on all 3 of my CRs. Almost 2 months ago, I wrote to Macy's with a DV style letter asking them to verify/validate the lates. After a month, I got impatient and wrote to all 3 CRAs with an enclosed copy of my letter to Macy's along with the certified mail receipt. I simply stated that Macy's hadn't responded to my letter.

 

While on the phone with an EX CSR last week, it asked her to delete the lates from Macy's because I felt they were obsolete. She denied me by stating that they had more than a year left. Oh well. It was worth a shot. Now during this time, I have opened a new Macy's account and Macy's has closed my old account. However, I have left the new account dormant so that it doesn't show on my CRs.

 

This morning I checked my EQ CR and Macy's trade lines have been deleted. Just waiting on TU and EX to follow suit. If TU and EX end up not deleting my lates from Macy's, do you think that I could dispute by sending in a copy of my new account with a copy of my new card stating that the old Macy's account is not mine?

 

P.S. Macy's eventually answered my letter stating that the lates had been verified as correct. BAHAHA!!!! Of course they verified.

Edited by NTB
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I wouldn't try to confuse them by showing one account as if it were the other and saying it isn't yours is a bad idea.

 

Congrats on the removal you did get though. Keep at it from that angle since it they technically didn't follow the proper procedure.

 

You could also try for a good will letter since you have an account in good standing.

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Just checked TU and there are ZERO lates being reported on my old Macy's account. Now just waiting for EX to show up to the party.

They consistently report to all three, so I'm sure it's just a matter of time.

 

You have your EXP report number? Have you checked their backdoor?

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@ SBA - My number is at home. But when I get a chance, I'll check EX. I would like to think that my letters to the CRAs worked vice the letter to Macy's because Macy's eventually got back to me saying the lates were verified. Just my thoughts on how they got removed.

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@ SBA - My number is at home. But when I get a chance, I'll check EX. I would like to think that my letters to the CRAs worked vice the letter to Macy's because Macy's eventually got back to me saying the lates were verified. Just my thoughts on how they got removed.

 

I have little doubt they were removed from all three, you just don't know it yet.

 

How? With your letters and calls, the account gets routed to numerous people and departments, so the letter came from one department, then you opened a new account. Sometimes the new account will show up on yet another departments' report, which might lead to them looking at the notes manually (every account has separate notes from CSR's, Managers, Credit Reporting specialists, etc) and manually changing it after the letter was sent. Part of their personal responsibility is to help " if they can ", and someone probably said to themselves:

 

New account, she might spend some money

Old account, existing request for a Goodwill

Why not change it?

 

Done

 

That'd be my guess. Either way, we all agree it is done, right? You just need to prove it to yourself on EXP, then you are off to the races. Again, congrats.

 

 

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@ SBA - HELL YES! I just bought an X5 and a 428i in April. My only issue (after purchasing 7 BMWs) is that when I was in Afgannyland, I was late twice on my BMW Motorcycle. When I got back, I sent them a goodwill and called them twice. They told me to eat dirt every time. But yet 2 months later financed me for $140K at 3.49% APR. I'm just wanting two 30 day lates forgiven.

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@ SBA - HELL YES! I just bought an X5 and a 428i in April. My only issues LVNV (after purchasing 7 BMWs) is that when I was in Afgannyland, I was late twice on my BMW Motorcycle. When I got back, I sent them a goodwill and called them twice. They told me to eat dirt every time. But yet 2 months later financed me for $140K at 3.49% APR. I'm just wanting two 30 day lates forgiven.

Interesting. That was with the service, or private industry?

 

Any chance the people who know about the SCRA might know if they have clauses for late payments?

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@ SBA - With the service and I told them this. They even thanked me for serving. I've explored SCRA and by the letter of the law, it would only help if I had a contract prior to active duty. That was 20 years ago.

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@ SBA - With the service and I told them this. They even thanked me for serving. I've explored SCRA and by the letter of the law, it would only help if I had a contract prior to active duty. That was 20 years ago.

I understand, but I would focus on the BMW credit group, and find some way to actually speak with the SCRA specialists at BMW credit.

 

Once you're on the phone with them, go over your current and active loans with them, as if you you were going abroad again. Establish rapport, and then find a segway to the old lates.

 

In this plan, everything is dependent on finding someone at BMW credit who specializes in the SCRA. They're there, you just haven't found them.

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GREAT NEWS! Finally was able to pull EX and saw that my Macy's has had all lates deleted and reflects as closed. Nothing negative on Macy's. YIPPIE! That's a total of 6 lates deleted just from Macy's.

 

@ SBA - Had plenty of time to contemplate BMW while sitting on the 805. Sent a "Goodwill Email" to the USA CEO. Hope that works. It seems to be working with Cap 1's CEO even though he hasn't called as per his secretary. All this was before I saw your last post.

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@ SBA - LMAO! I gotta start somewhere to build my confidence. I still have 4 foreclosures to deal with yet.

Well, from now on my first question is going to be: How old are they?

 

Do you have all three hard copy reports with report numbers? Who don't you start a thread, related to your next steps?

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@ SBA - I do have all 3 hard CRs. I'm starting a new thread in a minute for a letter I got today. FYI, it's just out of SOL for CA.

Ok, I'll watch for it then. I'll show you about how to use the free CRA backdoors, but on the other thread.

 

Goods news though, forelosures are no different than any other baddie.

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