500to750 Improve Your Credit Score
Helping you achieve a high credit score

Best Buy: 888-237-8289 (customer care)
Best Buy: 800-365-0292(CSR)
BoA: 800-732-9194 (dept. unknown)
BoA: 866-865-7842; 866-506-5067 (Credit Dept. Analysts/Recon)
BoA: 302-741-1825 (Recon)
BoA: 800-421-2110 (for cli ? )
Cap1: 800-951-6951 (cust. relations)
Cap1:-800-548-4593 (application department; status)
Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-427-9458 (Fraud department. They take ALL calls seriously!)
Cap1: 800-258-9319 (Debt Recovery)
Chase: 800-432-3117(App status)
Chase: 800-648-5588 or 800-945-2006 for APR decrease(Card Services)
Chase: 877-781-3109(combining & product change)
Chase: 888-245-0625 (Credit Analyst - Recons)
Chevron: 801-743-2030(Credit Dept)
Citi: 800-950-5114 (Account Specialist)
Citi: 888-201-4523 (Approval Status)
Discover: 888-676-3695(Recon)
HSBC: 800-694-9222 (cust. service)
HSBC: 831-755-6699 (executive customer service)
HSBC(M.C.)888-385-8916
Hooters: 801-545-6705 or 800-850-4668
J.C.Penny:866-239-4362 (credit services)
Juniper: 866-408-4064 (Credit Analyst)
Macys: 1-800-243-6552
National City: 800-762-0974 (Credit Dept.
Orchard: 800-395-6090
V.S.: 800-695-9458
WaMU CSR: 800-356-0011, or 800-280-9441; 888-687-2273.
WaMu: 800-687-2273 (Applications/New Accounts)

I have the contact information of the person who can and has removed paid collections with Portfolio Recovery & Associates.  I am not going to post the info but will give it out if you email me at info@500to750.com.  If you have a paid collection with Portfolio Recovery let me know and I will give you the information you need to hopefully get that paid collection removed from your credit reports.  I have confirmed that this contact has removed paid collections from peoples credit reports.  Most likely this contact can setup pay for delete arrangements too!

Cox Communications Customer Support
(619) 262-1122 South
(760) 599-6060 North

Cox Communications Credit Services
(619) 263-0736
(800) 715-4778

Cox Communications Credit Services Fax Number
(858) 715-4459

I have many people asking about LVNV and them saying they’re a factoring company on their credit reports.  I have read a few people of having success bringing up violations for LVNV using this term.  Here is a sample letter that you are free to use if you are looking to send LVNV a dispute and delete letter due to stating a factoring company.

November 11, 2008

Mike Jones

1245 fake st

fakeville, CA 90310

LVNV Funding LLC

PO Box 10497

Greenville, SC 29603

Re: Acct # 4674300000

To Whom It May Concern:

This is my third letter to LVNV regarding the above account that is being reported on my credit reports.  This is the third notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and full deletion of the trade line is requested

Here are just some of the violations of LVNV:

-LVNV violated 15 USC §1692e by making false or misleading representations concerning the status of the alleged debt by the following actions:

-LVNV violated 15 USC §1692e(2)(A) by misrepresenting the amount of the debt and by incorrectly characterizing the account as belonging to a “factoring company”.

-LVNV violated 15 USC §1692e(8) by communicating credit information which is known or which should be known to be false by reporting the account as a “factoring company” account and by reporting the account status as “open”

-LVNV violated 15 USC §1692e(10) by using false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a “factoring company” account

-LVNV violated 15 USC §1692e(12) by alleging that the account was a “factoring company” account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value.

LVNV violated 15 USC §1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a “factoring company” account to deceive current and potential creditors and to negatively impact my credit scores.

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [15 U.S.C. § 1681 et seq.]

LVNV violated provisions of the Fair Credit Reporting Act [15 USC §1681s-2(] by failing to properly investigate this matter in response to disputes filed with the credit reporting agencies. LVNV reported inaccurate and/or erroneous information as “verified”..

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of Character

If your office fails to completely delete this trade line within 30 days and provides proof of deletion further action will be taken and all communication will have to go through XXXXXXXXXX, Attorney at Law.

This debt is time barred and all communication with me must be by mail.

My full name is: Mike Jones
My Social Security # is: 554-54-5544
My date of birth is: 10/10/1950
My home phone number is: (878) 878-8778
My address is: 1234 fake st
fakeville, CA 91100

Best Regards,

Mike Jones

Here is 500to750.com’s goodwill sample letter #5.  This one is towards a collection agency and you will need to change it to fit your own situation.  Download in word format below.

October 17, 2008

Mike Jones
123 fake st
Fakeville, FA, 12345

Company Name
Address
City State Zip Code

Re: Acct # XXXXXXX

To Whom It May Concern:

I am writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit reporting agencies. Provida Life Sciences placed the above referenced account with you for collections in 2004. I paid the account in full on February 21, 2006.

Because I have paid the account in full, I would like you to consider deleting the account from your records and stop reporting to the three credit reporting agencies. At the time that I ordered the products from Provida Life Sciences, I was not even 18 years old yet. I had a problem with my bank account and had to close it, which meant that Provida could not withdraw the monthly payments that I had agreed to when I ordered the products. Because I never received any subsequent billings from Provida, I naively thought that I did not have to pay for it. I mention this not to justify neglecting to make timely payments, but to show that my irresponsible behavior as a teen-aged child is not an good indication of my actual creditworthiness. I understand that this is an unusual request–particularly as the account was in collections for some time before I paid it.

The 1st Nationwide Collection Agency representatives that I have spoken with over this time period were always very cordial with me. I have heard horror stories about aggressive collections agencies who will stop at nothing to collect a debt. I am happy to say that I did not have an experience like that with 1st Nationwide. When the subject comes up, I often mention how impressed I am by how courteous and respectful your representatives have been to me. I appreciate your patience during this time of learning for me. As I have gotten older, I have become more and more aware of the need to honor my financial obligations, which is why I paid the account in full in February 2006. I have also maintained excellent payment records with all of my creditors; I have never had a single late payment on any of my other accounts.

I have been married for a year now, and my husband and I are about to begin the process of buying our first home. This collection account on my credit report is having a negative impact on my FICO score. which may prevent me from being able to secure financing for a home purchase, or it may greatly increase the cost of doing so. Since this collection account is not a reflection of my current creditworthiness, I am requesting that you give me a second chance by deleting this account. Your customer service representative Eric (extension 1306) suggested that I submit this request in writing. I sincerely hope that there is redemption at 1st Nationwide Collection Agency, and I beg you for such consideration. Please let me know if you require any further information from me that would help in reaching a positive outcome. Thank you very much for the time you have taken to read my letter.
Sincerely,

Mike Jones

Download Goodwill Sample Letter #5 in word format (.doc)

There has been a lot of talk lately about the Eufora Elite Credit Builder Card.  This card sounds perfect for the people who have no credit history or who have made some mistakes in the past and want to start establishing new credit.  This is a secured credit card that reports to the major credit bureaus.

I have decided I will purchase the Eufora Elite Card with Credit Builder to help determine how good this card really is.

I will purchase this card this week and post to let you know how the application and setup worked out.  I will document how they report and the effects to my score.

Here are some fax numbers I have collected for Washington Mutual / Providian. These are good for sending any disputes, goodwill letters, or other correspondence. If you know of any others please post a comment or email info@500to750.com. Also please let us know if any of these gets disconnected.

Fax Numbers:
925-225-1198
206-554-2778
800-809-4236
925-738-5577

Here is a collection of fax numbers I have found for HSBC / Orchard / Household Bank.  If you know of any others please post in comments or send an email to info@500to750.com.  Please let us know if any of these numbers quit working.

Fax Numbers:

(831) 755-2940
(847) 205-7452
(630) 475-4313
(503) 686-2869
(302) 327-2963

Here is 500to750.com’s Goodwill Sample Letter #4. download it in word format below.

October 17, 2008

Mike Jones
123 fake st
Fakeville, FA, 12345

Company Name
Address
City State Zip Code

Re: Acct # XXXXXXX

To Whom It May Concern:

We have been customers with your company since 2006 and during that time, have enjoyed my experience with your company, greatly. We are writing to see if you would be willing to make a “goodwill” adjustment to your reporting to the three credit agencies. We have three late payments on the above referenced account that date back to 2006. Since that time we have been exceptional customers paying every month on time and never 30 days late.

Because of our exceptional payment history over the last year, we would like you to consider removing the negative payments from our credit reports. At the time of the late payments, we had just moved into our new home in January 2006 and with me being self-employed really affected our finances as with the move many of my clients decided to take their children to other facilities because we had moved.  This caused an immediate hardship for us as I was trying to rebuild my daycare business and get new clients as well as find a job to help with costs, but it was a very slow process. We say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. We hope that Countrywide Home Loans is willing to work with us on erasing this mark from our credit reports.

We have been very happy customers in the past and hope to continue a long relationship with your company. With today’s credit industry so competitive, we know how important it is to maintain good relationships with customers. Your Company has been exceptional in my book so far and we highly recommend it to all our friends and relatives. We hope that you will deeply consider our request and prove once again, why Your Company is heads above the rest.  We look forward to your reply.

Sincerely,

Mike Jones

Download Goodwill Sample Letter #4 in word format (.doc)